Eligibility age

Minimum age- 18 years

Maximum age- 65 years

3 months for children

Basis

Individual or floater basis

Policy term

1, 3 and 5 years

Renewability

There is a lifetime indemnity limit if the policy is renewed continuously

Sum Insured

• Plan A: Rs.50,000; applicable deductible:Rs.30,000

• Plan B: Rs.2 lakhs; applicable deductible:Rs1 lakh

• Plan C: Rs.3 lakhs; applicable deductible: Rs.2 lakhs

• Plan D: Rs.5 lakhs; applicable deductible Rs.3 lakhs

• Plan E: Rs.6 lakhs; applicable deductible: Rs.4 lakhs

• Plan F: Rs.10 lakhs; applicable deductible: Rs.5 lakhs

• Plan G: Rs.15 lakhs; applicable deductible: Rs.5 lakhs

Cover offered

• The policy covers inpatient hospitalisation expenses that include charges for treating medical professionals, consumables, equipment, supplies, OT etc.

• Up to Rs.80,000 (Plan A); Rs.3 lakhs (Plan B); Rs.5 lakhs (Plan C),Rs.8 lakhs (Plan D), Rs.10 lakhs (Plan E), Rs.15 lakhs (Plan F), Rs.20 lakhs (Plan G)

• Room charges: Rs.500 (Plan A), Rs.2,000 (Plan B), Rs.4,000 (Plan C), Rs.5,000 (Plan D), Rs.6,000 (Plan E), Rs.7,500 (Plan F), Rs.10,000 (Plan G)

• Pre-hospitalisation expenses: Up to 60 days, max.5% of actuals

• Post-hospitalisation expenses: Up to 90 days, max.10% of actuals (up to Rs.50,000)

• Ambulance costs up to Rs.3,000 per hospitalisation are also covered in this policy

• Pre-existing diseases: After a 4-yr. waiting period

Discount

A family discount of 5% is applicable on the policy

Co-payments

The policyholder is expected to bear 20% of admissible claim in case of medical treatment at a non-empanelled hospital. Waiver of co-payment can be availed in case of payment of extra premium.

Benefits

Listed below are the benefits of Chola MS Top-up Healthline:

• The insurance policy offers seven plans with a variety of Sum Insured/Deductible combinations to suit primary cover

• Available as 1, 2, or 3 year tenure options to save the hassle of renewing every year

• Individual and floater options

• First time purchase allowed up to 65 years of age

• In case the individual is below 55 years of age, no medical check-up is required to avail the insurance policy

• Lifetime renewal of policy

• Cashless hospitalisation at over 2600 Hospitals

• Direct claims settlement through Chola MS HELP with no third party administrator involved

• A grace period of 30 days is provided for policy renewal

• The policy does not have minimum survival benefit and the benefit is paid out immediately based on the first diagnosis itself

• The policy can be availed easily online by making online premium payments

Exclusions

Listed below are the exclusions that are not covered by the health insurance plan.

• The policy does not cover any pre-existing condition or disease as defined in the policy until 48 months of continuous coverage have elapsed, since inception of the first policy

• The policy does not offer cover for any illness contracted during the first 30 days from the commencement date of the policy

• Expense incurred during the first year of operation of the Insurance on treatment of diseases are not covered. Diseases include cataract, hernia/hydrocele, benign prostate hypertrophy, hysterectomy (non-malignant), fistula in Anus, anal fissure, piles, sinusitis, gallbladder stones, gastric or duodenal ulcer, tonsilitis or adenoids, breast lumps, cysts, nodules or polyps.

• Congenital diseases or conditions are also not covered by the insurance policy.

• Other exclusions include expenses incurred in the first two years of continuous operation of insurance cover on hospitalisation. These include treatment for hysterectomy, knee or joint replacement surgery (other than caused by an accident), arthritis, spondylosis/spondylitis, renal failure, hypertension, diabetes, prolapse of intervertebral disc (other than caused by accident), varicose veins and ulcers.