Cholamandalam Individual Healthline Insurance Plan
Cholamandalam Individual Healthline Insurance Plan - Individual Healthline insurance from Chola MS is a comprehensive Health Insurance product that not only offers coverage for Hospitalization expenses but also for other incidental expenses associated with Hospitalization. This Policy also provides coverage for Maternity related expenses, External aids such as Specs, Contact lens, Hearing Aids.
The Policy also covers General Health / Eye check up once in every two continuous claim free years.
Reasons to choose Chola MS
An ideal Individual health plan
- - This medical insurance plan is designed to meet the health insurance needs of your loved ones with the benefit of a specific sum insured for each person
Easy to buy and renew online
-
- No documents medical check-up required for online purchase; 100% secure online transaction with a simple 4-step procedure. Online renewal process up to 90 days prior to policy end date.
Life time Coverage
-
: Enjoy the benefit of lifeltime 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 Individual Healthline Insurance
- First time purchase till 65 years with lifetime renewal
- Easy purchase up to 55 years (without medicals check-ups or documentation)
- Sum insured upto RS10 Lakhs per person
- Cashless hospitalization at over 6100+ hospitals
- Direct claims settlement through Chola MS Help - no third party administrator involved
- In case of no claim, we increase your Sum insured (Claim Free Bonus)
- Also covers 141 day care procedures that do not require hospitalisation -
| Relationships covered | Entry age limits | Plans | Remarks |
|---|---|---|---|
| Self / Spouse / Parents / Parents-in-law | 18 - 65 yrs. | Standard / Superior / Advanced | No medical checkup required up to 55 yrs. of age |
| Dependent child | 3 months to 35 yrs.* | Standard / Superior / Advanced | No medical checkup required |
UIN no.IRDA/NL-HLT/CHSGI/P-H/V.I/152/13-14
Benefits - Cholamandalam Individual Healthline Insurance Plan
Individual Healthline Insurance is available in three variants, giving you the flexibility and freedom to choose a plan according to your needs.
The benefits covered and the premium amount will depend on the healthcare planyou choose.
| Benefits | Standard | Superior | Advanced |
|---|---|---|---|
| Hospitalization |  |
|
|
| Pre Hospitalization (60 days) | |
|
|
| Post Hospitalization (90 days) | |
|
|
| Emergency Ambulance | |
|
|
| Daily Cash for choosing shared accommodation | |
|
|
| General Health Check up & Eye Examination | |
|
|
| Minor Accompaniment Daily Cash |  |
|
|
| Home Hospitalization | |
|
|
| Maternity Expenses | |
|
|
| Ayurvedic Treatments | |
|
|
| OPD Dental | |
|
|
| External aids (Specs, Contact lens, Hearing aids) | |
|
|
Coverage - Cholamandalam Individual Healthline Insurance Plan
Our Health Insurance policy guarantees maximum benefits and hassle-free transactions.
- 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 |
Standard
Individual
Healthline |
Superior
Individual
Healthline |
Advanced
Individual
Healthline |
|---|---|---|---|
Sum Insured (SI)
options in
RSLakhs |
1 / 2 / 3 / 4 / 5 |
3.5 / 4.5 / 5.5 |
4.5 / 5.5 / 7.5 / 10 |
Claim free bonus
up to 50% of SI |
5% of SI every claim free year |
||
Daily Cash for
choosing shared
accommodation |
RS250 / day for
a maximum of
7 days with
1 day deductible |
RS500 / day for
a maximum of
7 days with
1 day deductible |
RS500 / day for
a maximum of
14 days with
1 day deductible |
Minor
Accompaniment
Daily Cash |
- |
RS250 / day for
a maximum of
7 days with
1 day deductible |
RS250 / day for
a maximum of
14 days with
1 day deductible |
General Health
Check up &
Eye Examination |
0.5% of SI once
after every two
continuous claim
free renewals,
excluding the
year in which
this benefit is
claimed |
0.75% of SI once
after every two
continuous claim
free renewals,
excluding the
year in which
this benefit is
claimed |
1.0% of SI once
after every two
continuous claim
free renewals,
excluding the
year in which
this benefit is
claimed |
Emergency Ambulance |
RS1000 per
insured per
policy year |
RS2000 per
insured per
policy year |
RS3000 per
insured per
policy year |
Home Hospitalization |
- |
15% of SI
(Maximum of
RS70,000) |
Up to 25% of SI
(Maximum of
RS1 lakh) |
Maternity Expenses
(waiting period of
5 years) |
- |
RS15,000 for
normal &
RS25,000 for
caesarean |
RS25,000 for
normal &
RS40,000 for
caesarean |
Ayurvedic Therapy
Treatments |
- |
- |
Up to 7.5% of SI
(specific
treatments only)
and 20%
co-payment |
OPD Dental
(waiting period
3 years) |
- |
- |
1% of SI -
Maximum of
RS5000 with
30% co-payment |
External aids -
Spectacles,
Contact lens,
Hearing aids
(waiting period
3 years) |
- |
- |
1% of SI -
Maximum of
RS5000 once
in a block of
2 years with
30% co-payment
by insured |
Sub limits against
diseases |
|
Cataract - 7.5%
of SI (Maximum
of RS20,000
per eye) |
No sub limits |
Room, Boarding &
Nursing Expenses |
RS1 Lakh -
Non AC room
up to RS1000
per day |
AC single room
up to RS3000
per day |
SI RS4.5 /
5.5 Lakhs -
AC single room
up to RS3000
per day |
SI 2, 3, 4 &
5 Lakhs -
AC single room
up to RS3000
per day |
SI - 7.5 &
10 Lakhs
(Maximum 1% of
the SI) |
||
Reduction in claim
free bonus in the
event of claim(s)
during the
policy period |
5% |
5% |
5% |
Chola MS Wellness
Service |
Option 1 for RS350 per including Service Tax per person
or;
Option 2 for RS500 per including Service Tax per person |
||
*Chola MS Wellness Service is an innovative messaging service that keeps a constant check on your health by sending SMS reminders at no additional cost for one member (option 1above) for the policy period. For additional members charges shall apply.
Exclusion - Cholamandalam Individual Healthline Insurance Plan
When you buy a medical insurance policy, it is important that you know all the product details to avoid discrepancies later.
- 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. 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.
Following diseases are excluded during the first and second year of inception of policy with the Insurer.
Illnesses excluded for
One year |
Illnesses excluded for Two years |
|---|---|
Cataract, Benign Prostratic Hypertropy, Hysterectomy for Menorrhagia or Fibromyoma, Hernia, Hydrocele, Fistula, Piles, Sinusitis & related disorders, Gall stones. |
Spondilitis, Spondilosis, Knee / Hip joint replacement, Heart diseases, Internal congenital diseases, any type of Carcinoma / Sarcoma / Blood Cancer, Osteoarthritis of any joint, Calculus diseases of gall bladder and Urogenital, Gastric & Duodenal Ulcers, Internal Tumours, cysts, Nodules, Polyps including breast lumps (each of any kind unless malignant), Gout & Rheumatism, ENT disorders & Surgery, Surgery of genito urinary system, Surgery for prolapsed inter vertebral disk, Surgery of varicose veins & varicose ulcers, Surgery on tonsils. |
If these diseases are pre-existing at the time of proposal, the same will be considered under the policy as per general exclusion number 1 above.
Please refer to the Policy Wordings for the complete coverages, exclusions and terms and conditions of the policy
Premium Table - Cholamandalam Individual Healthline Insurance Plan
Premium per individual in RS(Inclusive of Service Tax @ 18%)
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- Above premium includes service tax at 18 %
- Please check with nearest Chola MS office for renewal premium above 65 yrs
- The company may from time to time and subject to IRDA approval, will revise premium rates based on experience
- The premium rates, terms and conditions at the time of renewal shall apply
- A discount of 10% on above premium will be available if you agree for 10% co-payment on all claims under this policy. Please contact our advisor for further details on co-payment.
- For more details on risk factors, terms and conditions, please read sales brochure and policy wordings carefully before concluding the sale.
- The company from time to time and subject to IRDA approval, will revise the premium rates / terms and conditions based on experience. The premium rates at the time of renewal shall apply.
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