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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Cholamandalam Critical Illness Policy

*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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    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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