Chola MS Tax Plus Healthline Insurance Plan

What is Covered Under Chola MS Tax Plus Healthline

1. Treatment of injury
2. Dental treatments
3. Pre and post-natal expenses
4. Spectacles
5. Contact lenses
6. Hearing aids
7. Prosthetics
8. Allopathic treatments
9. Indian medicine system (except naturopathy)Deductibles as per claim made for hospitalization expenses due to sub-limits

What is not Covered?

1. Pre-existing conditions till four years of coverage from health insurance policy commencement
2. Medical expenses in the first months of policy commencement except accidents cases.
3. First year of insurance: Hernia, Benign Prostate Hypertrophy, Tonsillitis, Fistula in Anus, Piles, Congenital diseases
4. 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

Claims Procedure

1. Cashless hospitalization at 2600 network hospitals
2. Claims are accepted only after three months of policy commencement
3. Pre-authorisation is mandatory for planned hospitalization. Customers have to fax to 1800 425 2200 or call 1800 22 5544 (toll free)
4. Customers have to make payment at non-network hospitals which will be subsequently reimbursed upon submission of required documents
5. For emergency hospitalization, Chola MS has to contacted within 24 hours
6. Bills with diagnostic reports and prescriptions have to be submitted

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