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:

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	No medical screening up to 55 years

Cholamandalam Health Insurance at a Glance:

Key Features	Highlights
Network Hospitals	8000+
Incurred Claim Ratio	39.96
Renewability	Lifelong
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.

FAQs

Q1. What is Cholamandalam critical illness policy?

Critical Healthline is the name of the Chola MS critical illness scheme, it a comprehensive health insurance policy plan that provides health insurance cover for you and your loved ones against 12 life-threatening medical conditions.
Q2. Does Cholamandalam critical illness cover cancer treatment?

Yes, Cholamandalam critical illness policy covers cancer treatment under the both Advanced and Standard variant.
Q3. Under what circumstances can my Chola MS health insurance claim can get rejected?
The claim gets rejected under the following conditions:
- Hospitalization followed by a suicidal attempt will not be covered
- Attempt to commit a breach of law with criminal intent and self-inflicted injuries
- Vaccination expenses or inoculation until required for an animal bite treatment
- Non-medical expenses during the hospitalization will not be covered
- Hospitalization required after a civil war, insurrection, acts of foreign enemies, and revolution will not be covered
Q4. Is there a specific Cholamandalam health insurance plan that will cover critical illnesses?

Yes, you can buy Chola MS critical Healthline insurance plan. The sum insured limit in this plan is between Rs 3 lakhs and Rs 10 lakh. It covers critical illnesses such as Major organ transplant, cancer, bone marrow transplant, first heart attack, Open chest CABG, Stroke with permanent symptoms, and total disability of the limbs.