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