Cholamandalam Critical Illness Policy

(34 Reviews)

*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 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:

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      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.


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      • 30 minutes claim support*
      • 50,000 claims approved in last 15 months*
      • Schedule home visit with our advisors
      • Get a plan based on your medical needs
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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