Cholamandalam Critical Healthline Insurance

Cholamandalam Critical Healthline Insurance provides a lump sum amount to the policyholder on the diagnosis of a life-threatening disease or critical illness. It does not require the insured to get hospitalized to raise a claim. This policy helps the policyholder to bear treatment expenses for the illness as well as manage other financial expenses on a day-to-day basis to ensure a comfortable living.

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Cholamandalam Critical Healthline Insurance

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply

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    Cholamandalam Critical Healthline Insurance Plan: Key Highlights

    Categories Specifications
    Sum Insured Rs 3 lakh, Rs 5 lakh and Rs 10 lakh
    Policy Tenure 1 year
    Network Hospitals 10,000+
    Incurred Claim Ratio (2020-21) 77.35%
    Pre-policy Medical Check-up Required for people above 55 years
    Critical Illness Waiting Period 90 days
    Survival Period 30 days

    Benefits of Cholamandalam Critical Healthline Insurance Plan

    Check out the key benefits of buying a Cholamandalam Critical Healthline Insurance plan:

    1. Coverage for 12 Critical Illnesses

    This Cholamandalam critical illness insurance policy pays a lump sum amount to the policyholder on the diagnosis of 12 critical illnesses, including cancer, major organ transplant, first heart attack, permanent paralysis of limbs and stroke.

    2. Cashless Hospitalization

    People can avail cashless hospitalization facilities across India at more than 10,000 network hospitals of the Cholamandalam MS General Insurance Company.

    3. Tax Benefits

    Under Sec 80D of the IT Act, the premium paid towards buying a Cholamandalam Critical Healthline Insurance policy will be eligible for tax deductions.

    Cholamandalam Critical Healthline Insurance Plan Eligibility Criteria

    Take a look at the eligibility criteria for buying a Cholamandalam Critical Healthline Insurance plan:

    Parameters Eligibility Criteria
    Minimum Entry Age 5 years
    Maximum Entry Age 65 years
    Coverage Type Individual
    Relationships Covered Self, spouse and dependent children
    Renewability Lifetime

    Types of Cholamandalam Critical Healthline Insurance Plan

    Cholamandalam Critical Healthline Insurance offers two types of plans:

    1. Standard Plan:

    This plan covers 10 critical illnesses, including cancer, stroke, first heart attack, kidney failure and permanent paralysis.

    2. Advanced Plan:

    This plan covers 12 critical illnesses, including Parkinson’s disease and Motor Neuron Disease along with ambulance charges.

    Inclusions of Cholamandalam Critical Healthline Insurance Plan

    The following coverage is included under the Cholamandalam Critical Healthline Insurance plan:

    • Critical Illness Cover – It provides coverage for 12 critical illnesses, which include cancer, hypertension, first heart attack, permanent paralysis of limbs, stroke, Parkinson’s Disease, etc.
    • Emergency Ambulance Charges – It covers the cost of availing ambulance services to transport the insured to the hospital during an emergency.

    Exclusions of Cholamandalam Critical Healthline Insurance Plan

    The Cholamandalam Critical Healthline Insurance plan excludes the following:

    • Pre-existing diseases/conditions
    • Self-inflicted injury or suicide
    • Treatment for injuries due to an act of terrorism/ war/ riots etc.
    • Treatment for misuse or abuse of intoxicating substances like alcohol and drugs
    • Sexually transmitted diseases
    • Treatment for injuries due to hazardous or adventure sports activities

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