Cholamandalam Critical Healthline Insurance

The Critical Healthline policy provides a lump sum amount directly on the diagnosis of a life-threatening disease or any of the listed illness without the requirement of a hospitalization. It helps bearing illness expenses, as well as other financial expenses on a day to day basis to ensure comfortable living.

Eligibility:

  • For Self / Spouse- Minimum- 18 years, maximum- 65 years. No medical check-up required up to 55 years.
  • Dependent Child- Minimum age-3 months, maximum- 26 years. No medical check-up required.

Policy Details:

  • Facility of Lifetimerenewal.
  • Sum insured is flexible in nature.
  • Proof of expenses / hospitalization bills is not required during claims.
  • Income Tax discount subject to a maximum of 20000 INR.
  • Different premium rates for men/women.

Exclusions:

  • For pre-existing conditions.
  • Expenses incurred during first 30 days of commencement of policy (excluding accidental events).
  • Cases of Self-inflicted injury, suicide, act of Terrorism or war/riots etc.
  • In case of Death of insured person before survival period as applicable.

Policy Details:

  • Standard Plan: This covers 10 critical illnesses
  • Advanced Plan: covers 12 critical illnesses and also ambulance charges of up to 1000 INR.

Premium Details (Inclusive of service tax):

Premium in RS(Inclusive of Service Tax @ 14%)

 

Chola MS Standard Critical Healthline

 

Male

Female

Age/Sum
Insured in 
Rs

3,00,000

5,00,000

10,00,000

3,00,000

5,00,000

10,00,000

5 - 19

837

1117

1817

787

1034

1651

20 - 24

948

1351

2285

917

1298

2180

25 - 29

1123

1688

2961

1081

1619

2822

30 - 34

1392

2185

4182

1319

2063

3735

35 - 39

1784

2931

5782

1769

2786

5355

40 - 44

2947

4868

9672

2844

4576

9073

45 - 49

4188

6884

13694

3950

6458

12842

50 - 55

5664

9371

18497

5239

8568

16948

56

6671

10236

19206

5683

9312

17927

57

7535

11677

22086

6397

10499

20301

58

8531

13335

25401

7294

11996

23295

59

9672

15237

29207

8325

13714

26731

60

10979

17416

33565

9505

15682

30666

61

12473

19906

38545

10854

17930

35162

62

14176

22744

44222

12392

20493

40288

63

16114

25974

50681

14142

23409

46120

64

18314

29641

58015

16128

26719

52742

65

20807

33795

66324

18379

30471

60244

 
 

 

Premium in RS(Inclusive of Service Tax @ 14%)
 

Chola MS Advanced Critical Healthline

 

Male

Female

Age/Sum
Insured in 
Rs

3,00,000

5,00,000

10,00,000

3,00,000

5,00,000

10,00,000

5 - 19

942

1265

2076

850

1139

1858

20 - 24

1105

1536

2616

1036

1448

2475

25 - 29

1308

1874

3292

1251

1805

3191

30 - 34

1606

2371

4514

1523

2265

4114

35 - 39

2014

3129

6118

1987

2988

5739

40 - 44

3201

5095

10015

3064

4802

9473

45 - 49

4448

7114

14038

4172

6696

13251

50 - 55

5930

9701

18848

5463

8836

17450

56

7135

10725

19686

6050

9597

18490

57

7999

12166

22566

6761

10819

20879

58

8995

13824

25881

7671

12375

23874

59

10136

15726

29687

8722

14412

27311

60

11443

17905

34045

9870

16133

31252

61

12981

20468

39170

11262

18455

35752

62

14684

23306

44848

12800

21018

40878

63

16621

26536

51307

14550

23934

46709

64

18821

30202

58640

16537

27245

53331

65

21315

34357

66950

18787

30997

60834

 


 *The above rates may vary. Please check the policy wordings for more details.

Written By: PolicyBazaar - Updated: 17 December 2020

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