Chola MS Tax Plus Healthline Insurance Plan

Chola MS Tax Plus Insurance Policy is one of the 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

Also Read: How to File a Claim with Chola MS Health?

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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