*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
Who would you like to insure?
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 |
Key Features |
Highlights |
Network Hospitals |
8000+ |
Incurred Claim Ratio |
39.96 |
Renewability |
Lifelong |
Waiting Period |
4 years |
Chola MS Critical Healthline offers two separate plans in which you can choose the coverage of amount you want:
Critical Illness List
The illnesses covered are given below:
Survival Period
Here's the detailed list of Survival Periods for diseases covered in this critical illness plan:
Critical Illnesses |
Survival period for claim |
Open Chest CABG |
30 days |
First Heart Attack |
30 days |
Cancer of Specified Severity |
30 days |
Stroke resulting in |
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.
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.
Yes, Cholamandalam critical illness policy covers cancer treatment under the both Advanced and Standard variant.
The claim gets rejected under the following conditions:
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.