Cholamandalam Critical Illness Policy

(34 Reviews)
Insurer 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

Get insured from the comfort of your home
Get insured from the comfort of your home
  • 1
  • 2
  • 3
  • 4

Who would you like to insure?

  • Previous step
    By clicking on “Continue”, you agree to our Privacy Policy and Terms of use
    Previous step

      Popular Cities

      Previous step
      Previous step

      Do you have an existing illness or medical history?

      This helps us find plans that cover your condition and avoid claim rejection

      Get updates on WhatsApp

      Previous step

      When did you recover from Covid-19?

      Some plans are available only after a certain time

      Previous step
      Advantages of
      entering a valid number
      You save time, money and effort,
      Our experts will help you choose the right plan in less than 20 minutes & save you upto 80% on your premium

      Cholamandalam Critical Illness Policy

      This critical illness policy covers critical illnesses like cancer, first heart attack, Open chest CABG, major organ transplant, bone marrow transplant, a stroke causing permanent symptoms, & permanent disability of limbs. With Chola MS critical illness policy you get access to a large number of network hospitals. Check out the features and benefits of Cholamandalam critical illness policy as given below:

      Read More

      Two Variants: Advanced and Standard

      Sum Insured Options per Person- Rs 3 lakh, Rs 5 lakh and Rs 10 lakh

      Relationships Covered

      Entry Age Limits

      Pre-medical Check-ups

      Self / Spouse

      18-65 Years

      No medical screening up to 55 years

      Up to 3 Children

      05-65 Years

      Cholamandalam Health Insurance at a Glance:

      Key Features


      Network Hospitals


      Incurred Claim Ratio




      Waiting Period

      4 years

      Features of Chola MS Critical Healthline Insurance

      • The critical illness policy covers more than just hospitalization bills
      • The sum insured is paid as soon as the illness is detected
      • No medical checkup up to 55 years
      • First time purchase up to 65 years
      • Covers all unexpected, life-threatening illnesses
      • Proof of expenses and hospitalization bills is not required at the time of claim
      • It allows for better financial planning and extended coverage benefits
      • Lifetime policy renewal
      • Flexible Sum Insured
      • Income Tax exemption up to Rs 25,000 on the policy premium

      Chola MS Critical Healthline offers two separate plans in which you can choose the coverage of amount you want:

      • The Standard  critical illness plan covers 10 critical illnesses
      • The Advanced critical illness plan covers 12 critical illnesses

      Critical Illness List

      The illnesses covered are given below:

      • Cancer
      • Stroke
      • Aorta surgery
      • Multiple Sclerosis
      • Open Chest CABG
      • Kidney Failure
      • Major Organ/Bone Marrow Transplant
      • Parkinson’s Disease
      • Permanent paralysis
      • Primary Pulmonary Hypertension
      • Motor Neuron Disease

      Survival Period

      Here's the detailed list of Survival Periods for diseases covered in this critical illness plan:

      Critical Illnesses

      Survival period for claim
      after diagnosis

      Open Chest CABG

      30 days

      First Heart Attack

      30 days

      Cancer of Specified Severity

      30 days

      Stroke resulting in
      permanent symptoms

      90 days

      Multiple Sclerosis

      180 days

      Kidney Failure Requiring Regular Dialysis

      30 days

      Permanent Paralysis of Limbs

      180 days

      Primary Pulmonary Arterial Hypertension

      30 days

      Surgery of Aorta

      30 days

      Persistent Symptoms of Motor Neuron Disease

      90 days

      Parkinson's Disease

      180 days

      Major Organ or Bone Marrow Transplant

      30 days

      While the policy offers comprehensive critical illness cover, but the coverage does not extend to pre-existing diseases or any illness that has been detected within 90 days of the policy commencement. It does not cover any medical condition or intentional self-injury caused due to the consumption of drugs/alcohol.


      Policybazaar exclusive benefits
      • 30 minutes claim support*(In 120+ cities)
      • Relationship manager For every customer
      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

      Health insurance articles

      Recent Articles
      Popular Articles
      Surgeries Covered by HDFC ERGO General Health Insurance Plans

      03 Apr 2024

      HDFC ERGO General Insurance Company provides a variety of
      Read more
      Surgeries Covered by Digit Health Insurance Plans

      28 Mar 2024

      Go Digit General Insurance Limited offers a wide range of
      Read more
      Surgeries Covered by Royal Sundaram Health Insurance Plans

      27 Mar 2024

      Royal Sundaram General Insurance Company offers a spectrum of
      Read more
      Surgeries Covered by United India Health Insurance Plans

      22 Mar 2024

      With the increasing costs of healthcare in India, the financial
      Read more
      Surgeries Covered by Bajaj Allianz Health Insurance Plans

      22 Mar 2024

      In an age where medical expenses are on the rise, securing
      Read more
      Best Health Insurance Plans for Senior Citizens
      Senior citizens are the most prone to diseases. Considering the medical inflation in India, buying health insurance
      Read more
      Does Health Insurance Provide Coverage for LASIK Eye Surgery?
      A vast majority of the Indian population is suffering from vision problems. For some of them, LASIK eye surgery is
      Read more
      Zero Waiting Period in Health Insurance Plans
      Every medical insurance plan comes with a few terms & conditions, and the waiting period is one of them. A
      Read more
      How to Apply for Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY)?
      Ayushman Bharat Yojana is a flagship health insurance scheme launched by the Government of India to offer universal
      Read more
      10 Major Benefits of Ayushman Bharat Yojana
      Pradhan Mantri Jan Arogya Yojana (PM-JAY) is the second component under Ayushman Bharat Scheme. PM Narendra Modi
      Read more

      Download the Policybazaar app
      to manage all your insurance needs.