Cholamandalam Critical Illness 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

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

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