• Chola MS Top Up Healthline Health Insurance Plan

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    Cashless Treatment

    Customer Service

    Medical Coverage

    Claim Experience

    Health insurance is of utmost importance, especially when it can become hard to meet medical expenses of a critical illness. Chola MS Top-up Healthline’s top up plan provides coverage for higher medical expenses for families on a floating sum insured or individual sum insured basis. With this health insurance policy, the individual can pay the sum insured in excess of deductible in respect of medically necessary costs. The policy provides extensive coverage and a family discount of 5%.

    Features and Benefits of Chola MS Top-up Healthline:

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

    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.

    Disclaimer: Kindly read the terms and conditions in the policy document carefully before availing the insurance policy

    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.

    Chola MS Top Up Healthline Health Insurance Plan Reviews

  • Page 1 of 1
    • Chola Ms Health Insurance
      "Best service"
      0.5 5.0/5 "Blown Away!"
      I have taken a Health Insurance with Cholamandalam General insurance I need not pay a premium for the same as i am an employee of then insurance company.The response is good and prompt.I get a good policy coverage amount.I don't have claim experience with them.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 04, 2018
    • Chola Ms Health Insurance
      "Best policy to use"
      0.5 5.0/5 "Blown Away!"
      I have the health insurance policy with Cholamandalam for past 3years. The customer support is very good with Cholamandalam health insurance . This policy covers 3members in my family. This policy has the medical claim upto Rs,1,25,000. I dont have any claim experience with this policy. I am satisfied with the health insurance policy.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 09, 2017
    • Chola Ms Health Insurance
      "Good policy for safety."
      0.5 5.0/5 "Blown Away!"
      The Company has provided me the health insurance from Cholamandalam general insurance company. This policy covers 4 members, which is myself and my family. I will be getting the medical coverage up to 2lakhs. The company pays for the policy to renew it. I hold this policy for around 8 Years. I never had any claim experience so far. I am happy holding this safety policy with Cholamandalam.
      Was this review helpful? 0
      , nasik
      Reviewed on Aug 21, 2017
    • Chola Ms Health Insurance
      "Not a good choice"
      0.5 3.0/5 "Satisfactory"
      I am having health insurance company with Cholamandalam general insurance company and its been provided by my employer and am with them from the last twelve years of time, also it covers full of my family. Recently, I have claimed for my father and I have got around 50% of money as reimbursement due to some lacking of documentation. I would like to suggest that they need to focus on the customer, also they need to enhance their diversity across all geographical location.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Mar 18, 2017
    • Chola Ms Health Insurance
      "Fantastic"
      0.5 4.0/5 "Great!"
      I do have the health insurance policy with the Cholamandalam general insurance company and am having it from the last six years of time. Response is very good with them and the medical coverage is around 5 lakh Rupees for myself , family.
      Was this review helpful? 0
      , salem
      Reviewed on Feb 25, 2016
    • Chola Ms Health Insurance
      "Satisfied.."
      0.5 4.0/5 "Great!"
      The executives are coming to our office and doing needful. I am getting this health insurance for my parents as well. Yearly the medical coverage is three lakhs. Death coverage is about 45lakhs. All the diseases are being covered by Cholamandalam health insurance.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 13, 2016
    • Chola Ms Health Insurance
      "Health insurance"
      0.5 3.0/5 "Satisfactory"
      Chola mandalam health insurance has offered me some policy papers. I dont have claim experience. I am supposed to pay rs 6000 in one year, Every year I had to renew it and towards the end they have offered me around 2 lakhs medical coverage for my health. There is no drawback no issues
      Was this review helpful? 1
      , mumbai
      Reviewed on Nov 19, 2015
    • Chola Ms Health Insurance
      "Satisfactory"
      0.5 4.0/5 "Great!"
      My health insurance is from Cholamandalam general insurance. It is a corporate insurance. I have a coverage for my family and my parents as well. I also had a claim experience. The process was smooth. It was a cashless benefit. I only had to pay 1 to 2K for the mandatory charges.They have a connect with all the major hospitals.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 04, 2015
    • Chola Ms Health Insurance
      "Get ayurvedic treatment .."
      0.5 5.0/5 "Blown Away!"
      As due the reason of low coverage I have dropped the health insurance with other insurance company. Premium is fine but coverage amount is not reasonable. Ayurvedic treatment is too included and this is good benefit. We can get treatment in Ayurvedic hospitals as Cholamandalam General Insurance is good.
      Was this review helpful? 0
      , pune
      Reviewed on Oct 28, 2015
    • Chola Ms Health Insurance
      "Taken through Company "
      0.5 5.0/5 "Blown Away!"
      My company will pay for the premium amount on my health insurance policy which is from CHOLAMANDALAM GENERAL INSURANCE. For the past four years I am holding this policy which will covers all my family members in it. Last year I made a claim for my spouse pregnancy.
      Was this review helpful? 0
      , new delhi
      Reviewed on Oct 24, 2015
    • Chola Ms Health Insurance
      "Great Experience..."
      0.5 5.0/5 "Blown Away!"
      I had a company provided health insurance from cholamandalam insurance. I was informed that I can claim up to 1lakh. I had a good claim experience. To avail the service, I just gave my insurance number. They took care of the process, I had no paper works, It was easy to claim.
      Was this review helpful? 0
      , mysore
      Reviewed on Sep 09, 2015
    • Chola Ms Health Insurance
      "Average"
      0.5 1.0/5 "Really Bad"
      I had the bad experience with the Cholamandalam general insurance company. I had claim experience with them like I had submitted all the documents with them but in my office they sent those documents in late, so i dint get any benefits from them.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Sep 09, 2015
    • Chola Ms Health Insurance
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I am having the health insurance with the Cholamandalam insurance company. Its been provided by my employer. The services are good with them and I dont have any claim experience with them. They have given the maximum reimbursement as 1.5 lakhs in my office. Cashless treatments is not with them thats the drawback with them.
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 29, 2015
    • Chola Ms Health Insurance
      "Good plan "
      0.5 4.0/5 "Great!"
      I have been using this health Insurance with CHOLAMANDALAM Insurance for last 4-5years.The customer service provided was really good and the executives are guiding the customer in good manner.They do offer a coverage amount of 2Lakh in this Insurance.They have several network hospitals in this insurance.
      Was this review helpful? 0
      , kanpur
      Reviewed on Aug 13, 2015
    • Chola Ms Health Insurance
      "Satisfied..."
      0.5 4.0/5 "Great!"
      Cholamandalam general insurance is good for health insurance and it was opened by my company. This is actually a family floater and overall the medical coverage is 1.5lakhs. Network hospitals are wide in cities. Whatever the issues we have, just our HR is taking care but getting mails from Cholamandalam.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 30, 2015
    • Chola Ms Health Insurance
      "Very good"
      0.5 4.0/5 "Great!"
      Its very good and time consuming they came to my place and explained about the things and they filled the forms and explained in detail about the accidental insurance the total amount is 10 lakhs and yearly we pay 4000 for 5 years and its for me and my family
      Was this review helpful? 1
      , nagpur
      Reviewed on Jul 08, 2014
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