• Chola MS Tax Plus Healthline Insurance Plan

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    Chola MS Tax Plus Insurance Policy is one of the health insurance policies offered by Cholamandalam MS. Chola MS Tax Plus Insurance Policy provides cover for hospitalisation and non-hospitalisation expenses (day to day medical expenses) is issued for families and individuals (floater sum insured). Chola MS Tax Plus Insurance Policy entails fixed premium.

    Features & Benefits of Chola MS Tax Plus Healthline:

    Entry age Minimum: 18 years Maximum: 65 years
    Medical tests Up to 55 years Above 55 years None
    • Medical Examination Report
    • Blood Count
    • Urine Examination
    • Electrocardiogram
    • Fasting Blood Sugar
    • Renal Function Test
    About 50% of the costs of the tests will be reimbursed
    Sum Insured Rs.1 lakh to 5 lakh
    Renewal Lifetime
    Features
    • Chola MS Tax Plus Healthline can be opted by you, your partner and children
    • Offers a wide range of options in terms of sum insured
    • Purchase for the first time is permissible up to 65 years
    • Customers do not have to go through any medical check-up till 55 years
    Benefits Sub-limits The following table shows the hospitalization expenses up to Rs. 5 lakh (family floater or individual basis)
    Feature Cover
    Room Rent - ICU 2% of sum insured per day
    Room Rent 1% of sum insured per day
    Post Hospitalization 90 days, (10% of claim up to Rs. 50,000)
    Pre Hospitalization 60 days (5% of claim
    The following table shows the sub-limits
    Cataract 7.5% of sum insured (maximum: Rs.20,000)
    Knee and Joint replacement surgery 50% co-pay applicable
    Fistula in Anus 10% of sum insured (maximum: Rs.30,000)
    Tonsillitis 15% of sum insured (maximum: Rs.40,000)
    The following table are the non-hospitalization expenses covered
    • Treatment of injury
    • Dental treatments
    • Pre and post-natal expenses
    • Spectacles
    • Contact lenses
    • Hearing aids
    • Prosthetics
    • Allopathic treatments
    • Indian medicine system (except naturopathy)
    • Deductibles as per claim made for hospitalization expenses due to sub-limits
    Premium As per discretion of Chola MS
    Tax benefits Customers can avail of tax exemptions on the premium paid
    Bonus
    • Every claim free year will result in 5% increase in the hospitalization cover limit up to 50%
    • Claim free bonus is not applicable for non-hospitalization cover
    Claim procedure
    • Cashless hospitalization at 2600 network hospitals
    • Claims are accepted only after three months of policy commencement
    • Pre-authorisation is mandatory for planned hospitalization. Customers have to fax to 1800 425 2200 or call 1800 22 5544 (toll free)
    • Customers have to make payment at non-network hospitals which will be subsequently reimbursed upon submission of required documents
    • For emergency hospitalization, Chola MS has to contacted within 24 hours
    • Bills with diagnostic reports and prescriptions have to be submitted
    Exclusions
    • Pre-existing conditions till four years of coverage from health insurance policy commencement
    • Medical expenses in the first months of policy commencement except accidents cases.
    • First year of insurance: Hernia, Benign Prostate Hypertrophy, Tonsillitis, Fistula in Anus, Piles, Congenital diseases
    • First two years of insurance: Hysterectomy (non-malignant) gastric ulcer, knee replacement surgery, tumours, spondylosis chronic kidney diseases, varicose veins, goitre, fibroid in uterus, rheumatism, prolapsed uterus deviated nasal septum, sinusitis, cataract, arthritis, glaucoma and mastoidectomy

    Disclaimer: Please read the terms and conditions in the policy document carefully before signing up

    Other Health Insurance Plans from Chola MS:

    GST rate of 18% applicable for all financial services effective July 1, 2017.

    Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

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