Cholamandalam Critical Healthline Insurance

(34 Reviews)
Highlights

*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

      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 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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      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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