Cholamandalam Critical Healthline Insurance

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Introduction:

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.

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