You need health cover regardless of what you take two at a time - pills or stairs.
  • Chola MS Tax Plus Healthline Insurance Plan

    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


    • 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




    • 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



    The following table shows the hospitalization expenses up to Rs. 5 lakh (family floater or individual basis)



    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


    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)


    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


    As per discretion of Chola MS

    Tax benefits

    Customers can avail of tax exemptions on the premium paid


    • 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


    • Pre-existing conditions till four years of coverage from 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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