Cholamandalam Chola MS Family Healthline Insurance Plan

The Policy covers Maternity Expenses, OP Dental treatments, External Aids – Spectacles, Contact lens and hearing aids, Minor Accompaniment cash in addition to Hospitalization expenses.

Chola MS Family Healthline is an ideal Family Healthline insurance suited for young families. Comprehensive and versatile, this medical insurance plan offers cover for a range of health needs including Ayurvedic treatments, Maternity, Dental and Eye care besides regular covers provided by a standard Mediclaim policy. It covers you, your spouse and children with a Floater Sum insured which - allows any family member to claim up to the full sum insured.

Reasons to choose Chola MS

Lifelong Coverage

• : Enjoy the benefit of lifelong renewal

Easy and quick claim settlement procedures 

• - Cashless claims and reimbursements are made through our caring and responsive in-house Claims team

Unique features of Chola MS Family Healthline Insurance

• Hospitalization expenses
  
  • Room and boarding
  • Doctors fees
  • Intensive Care Unit
  • Nursing expenses
  • Surgical fees, operating theatre, anesthesia and oxygen and their administration
  • Physical therapy expenses
  • Drugs and medicines consumed on the premises
  • Hospital miscellaneous services (such as laboratory, x-ray, diagnostic tests)
  • Cost of dressing, ordinary splints and plaster casts
  • Costs of prosthetic devices if implanted during a surgical procedure
  • Organ transplantation including the treatment costs of the donor but excluding the costs of the organ
• Pre-hospitalization expenses up to 60 days
• Post-hospitalization expenses up to 90 days
• Emergency ambulance expenses
• 141 day care procedures not requiring hospitalization

• Benefits will not be available for pre-existing conditions until 48 months of continuous coverage from first policy start date.
• Expenses during the first 30 days of commencement of policy except in the case of accidents.This is not applicable for renewed policies.
• Any illness diagnosed or diagnosable within 30 days of the effective date of the policy period if this is the first Health policy taken by the proposer with the Insurer. If the Insured renews an Individual Health or family floater policy with the Insurer (Insurer's own renewal OR renewal of other General Insurance Company's policy without any break) and increases the Limit of Indemnity (other than as a result of the application of General Condition D7), then this exclusion shall apply in relation to the amount by which the Limit of Indemnity has been increased. This exclusion is not applicable in case of accidental hospitalisation.

All Premium Includes Service tax at 18%.

A discount of 10% on above premium will be available if you agree for 10% copayment on all claims under this policy. Please contact our advisor for futher details on copayment.

Premium will be based on Age of Seniormost covered member in the family.

The company from time to time subject to IRDA approval, will revise the premium rates /terms and conditions based on experience.

The premium rates, terms and conditions at the time of renewal shall apply.

Please check with nearest Chola MS Office for renewal premium above 70 yrs of age.