Cholamandalam Family Healthline Plan

Chola MS Family Healthline Insurance plan is designed for families and it covers both Ayurvedic and Allopathy treatments. It is a family floater plan that offers coverage to family members including your children and spouse under a single plan. It covers maternity expenses as well as out-patient dental treatments. The plan also compensates for external aids such as contact lens, spectacles, and hearing aids. It also includes minor accompaniment cash benefit apart from hospitalization expenses.

Read More

Get insured from the comfort of your home No medicals required

Tell us about you

Cholamandalam Family Healthline Plan

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

Get insured from the comfort of your home No medicals required
I am a

My name is

My number is

By clicking on 'View Plans' you, agreed to our Privacy Policy and Terms of use
Close
Back
I am a

My name is

My number is

Select Age

City Living in

    Popular Cities

    Do you take any daily medication? Apart from vitamins & supplements
    Get updates on WhatsApp

    It is an ideal plan that is suitable for young families. It is an all-inclusive medical insurance plan that covers a range of medical expenses including Dental and Eye care, Ayurvedic treatments, maternity, expenses apart from the standard mediclaim policy. You can get coverage for self, children, and your spouse on a floater sum insured basis that allows your family members to claim up to the full sum assured amount.

    Reasons to Choose Chola Ms Family Healthline Insurance Plan

    Here’s Why you Should Buy this Plan:

    • The plan offers lifelong renewal option
    • The insurer follows quick and easy claim settlement procedure
    • Easy claim procedure for reimbursement of medical expenses and cashless hospitalization through their in-house claims team

    Key Features of Chola MS Family Healthline Insurance Plan

    • The age limit to buy this plan is 65 years and it comes with lifetime renewability option
    • No medical screening is required for applicants lesser than 55 years of age
    • The sum insured is available on floater basis and the limit is up to INR 15 Lakhs
    • Cashless treatment is available in more than 8000 network hospitals
    • You can easily personalize your plan as per your family medical needs and size
    • It covers 141 day care treatments where a minimum of 24 hour hospitalization is not required
    • Seamless settlement of health claims through Chola MS General Insurance Help and there is no involvement of a third-party administrator
    • You can get No-claim-bonus on this plan
    Insured Members Plan Variants Entry Age limits Medical Screening
    Self / Spouse Standard/Superior/Advanced 18 to 65 years No medical  screening is required  for applicants below 55 years
    Dependent Child Standard/Superior/Advanced 3 months  to 26 years No medical  screening is required


    Benefits of Chola MS Family Healthline Insurance Plan

    This plan is available in three variants and offers you the freedom and flexibility to buy a variant as per your needs and requirements. The coverage provided and the cost of premium will depend on the plan variant that you choose. Have a look at the below table:

    Chola MS Family Healthline Insurance Plan  Benefits Standard 
    Plan
    Superior 
    Plan
    Advanced 
    Plan
    Floater Sum Insured options (  Lakhs) 2 L/3L/4L/5L 4L/6L/8L/10L 6L/8L/10L/12L/15L
    No-Claim-Bonus 
    up to 50% of the Sum Insured
    5% of SI per claim free year
    Daily Cash Benefit
    (shared accommodation)
    Rs. 250 per day for a maximum 7 days (1 day deductible applicable) Rs. 500 per day for a maximum 7 days (1 day deductible applicable) per day for a maximum of 14 days (1 day deductible applicable)
    General Eye and Health 
    Check-up
    0.5% of the Sum Insured once in every 2 claim free policy periods, except the year when the claim was filed 0.75% of the Sum Insured once in every 2 claim free policy periods, except the year when the claim was filed 1.0% of the Sum Insured once in every 2 claim free policy periods, except the year when the claim was filed
    Daily Cash Benefit for Minor Accompaniment 

    - Rs. 250 per day for a maximum of 7 days (1 day deductible applicable) Rs. 250 per day for a maximum of 14 days (1 day deductible applicable)
    Domiciliary Hospitalization - 15% of the Sum Insured/ maximum Rs. 70,000 25% of the Sum Insured/ maximum Rs. 1,00,000
    Emergency Ambulance Cover Rs. 1000 per insured member during a  policy term Rs. 2000 per insured member during a  policy term Rs. 3000 per insured member during a  policy term
    Ayurvedic Therapy 
    Treatments
    - - Up to 7.5% of Sum Insured - for specific treatments and co pay of 20% is applicable
    Maternity Cover
    (5 years of waiting period)
    - Rs. 15,000 for normal delivery/ Rs. 25,000 for Caesarean Rs. 25,000 for normal delivery/ Rs. 40,000 for Caesarean
    Cost of External aids- Hearing 
    aids, Contact Lens, Specs (3 years of waiting period)
    - - 1% of Sum Insured up to a  maximum of Rs. 5000 once in 2 years of policy term and co pay of 30% is applicable
    OPD Dental Cover (3 years of waiting period) - - 1% of Sum Insured up to a  maximum of Rs. 5000 and co pay of 30% is applicable
    Room, Nursing & Boarding
    Expenses
    AC Single Room limit of Rs.3000 per day Sum Insured 4 Lakhs: AC Single Room limit of Rs.3000 per day Sum Insured 6/8/10 Lakhs:  Up to a maximum of 1% of the SI Sum Insured  6/8/10/12/15 Lakhs:  Up to a maximum of 1% of the SI
    Applicable Sub-limits
    • Cataract: 7.5% of the Sum Insured and the maximum limit is  20,000 for each eye.
    • Anal Fissure, Fistula in Anus, Piles: 10% of the Sum Insured and the maximum limit is  30,000
    • Hernia or Hydrocele: 10% of the Sum Insured and the maximum limit is  30,000
    • Sinusitis -10% of the Sum Insured and the maximum limit is  30,000
    • Tonsillitis: 15% of the Sum Insured and the maximum limit is  40,000
     
    Cataract: 7.5% of the Sum Insured and the maximum limit is Rs. 20,000 for each eye No Sub-limits
    Reduction in NCB/ No-Claim-Bonus in case of claim during a policy term 5% 5% 5%
    Chola MS Wellness Service Option 1/Single Person Cover: Rs. 350/person Option 2/Extra Member:  Rs. 500/person


    Chola MS Wellness Service is an advanced messaging service that helps in monitoring your health by sending reminders through SMS at no additional cost for a single member. For additional members, extra charges shall apply.

    Coverage Provided in Chola MS Family Healthline Insurance Plan

    This comprehensive plan offers a range of benefits with value-added features:

    • 141 daycare procedures where 24-hours of hospitalization is not required
    • Hospitalization expenses
    • Nursing expenses
    • Room and boarding expenses
    • Cost of drugs and medicines during the hospital treatment
    • Doctors’ fees
    • Surgical fees, operating theatre, anesthesia and oxygen, and their administration
    • Intensive Care Unit
    • Physical therapy expenses
    • Cost of ordinary splints, dressing, and plaster casts
    • Other miscellaneous charges such as laboratory, diagnostic tests, and x-ray
    • Costs of prosthetic devices during a surgical procedure
    • Organ transplantation including the donor treatment costs (excluding the cost of the organ)
    • Pre-hospitalization expenses and the limit is 60 days before the hospitalization
    • Pre-hospitalization expenses and the limit is 90 days after the hospitalization
    • Emergency ambulance charges

    Exclusions of Chola MS Family Healthline Insurance

    While purchasing a Cholamandalam health insurance policy, you must know all the plan details to avoid any problems in the future. Check out the list of limitations of Chola MS Individual Health line plan:

    • Any claim arising due to pre-existing illnesses until 2 years of continuous coverage from the policy inception date
    • Expenses incurred during the initial 30 days of commencement of policy unless it is an accidental case. It is not applicable to policy renewal
    • Any disease that has been diagnosed within 30 days of the commencing the policy, if this is the first health cover that is purchased by the proposer with the insurance company. If the policyholder renews this plan without any break and increases the scope of coverage then this exclusion is applicable to the difference in the amount as a result of the increment. It is not applicable to accidental hospitalization.

    Have a Look at the List of Exclusions of the Diseases During the First and Second year of the Policy Commencement Date:

    Diseases excluded for 1 Year Diseases excluded for 2 Years
    Benign Prostatic Hypertrophy, Cataract, Hydrocele, Hysterectomy for Menorrhagia or Fibromyoma, Fistula, Hernia, Piles, Gallstones, Sinusitis & related disorders Spondylosis, Spondylitis, Knee / Hip joint replacement,  Internal congenital diseases, Calculus diseases of gall bladder and urogenital, Osteoarthritis of any joint, duodenal & gastric ulcers, polyps including breast lumps (each of any kind unless malignant), internal tumors, cysts, ENT disorders, nodules, Gout & Rheumatism, genitourinary system surgery, Surgery for prolapsed intervertebral disk, tonsils, varicose veins surgery & varicose ulcers


    In case you have any pre-existing illnesses before purchasing the policy, then it will be not be covered in this plan.

    Cholamandalam Family Healthline Plan Reviews & Ratings

    / 5 (Based on 7 Reviews)
    (Showing Newest 7 reviews)
    Parul
    Punjab, August 02, 2021
    Inexpensive term plan
    My friend is 30 year old and I am 25 years old and noticed a difference in our term plan price. I visited Policybazaar and read some blogs there. I found out that term plans are cheaper if you buy at young age. I am glad to buy this plan at the right time.
    Amrita
    Chail, August 02, 2021
    Tax savings
    I recently bought a term insurance policy from the website of Policybazaar. My plan has amazing features and some additional benefits due to an addon. The best part is I can also enjoy a tax rebate. I am so glad to buy this plan.
    Pratap
    Niwari, August 02, 2021
    Purchased Online
    My friend asked me to buy a term insurance plan online as it is cheaper and more convenient. I visited the website of Policybazaar and bought a term policy which offers great benefits at cheap rates. My online experience has been great. Thank you team.
    Anurag
    Modinagar, August 02, 2021
    Protection against COVID
    The pandemic had me worrying about the future of my family in my absence. I have been searching for a pure insurance policy to safeguard my family against any eventuality. With the help of Policybazaar now I my family is secure as a bought a specialized term plan made to help family of the policyholder.
    Kashish
    Meerut, August 02, 2021
    Best customer service
    I did not understand much about insurance but I knew one thing that I needed to secure the future of my family. I took help from the team of Policybazaar and they suggested me what would be best for me. I am happy with my plan. Thank you so much team.
    Komal
    Palwal, August 02, 2021
    Huge coverage
    I recently bought a term plan from the website of Policybazaar and I am happy with the product. I got a higher coverage term plan with additional benefits and at cost effective price. Now I am worry free for the future security of my family in my absence. Thanks.
    Harisha
    Gurgaon, August 02, 2021
    Quick to buy
    My friend suggested me to buy a term insurance plan online. I visited the website of Policybazaar and it took me about half an hour or maybe less to buy the plan online. The experience was smooth and I am happy with my plan. Kudos team.

    Latest Health Insurance Articles

    Does Health Insurance Cover Zika virus Treatment?

    Does Health Insurance Cover Zika virus Treatment?

    Does Health Insurance Cover Zika virus Treatment? The past five years have witnessed the outbreak of various dreadful diseases such as SARS, MERS, Ebola, Zika, and Nipah virus. Now in 2021, cases of Zika virus outbreak have been report...
    Updated: 27th July 2021
    What Are GPA and GMC Insurance Policy?

    What Are GPA and GMC Insurance Policy?

    What Are GPA and GMC Insurance Policy? Businesses and corporate houses thrive to provide a significant level of satisfaction to their employees. It directly impacts the way their business expands, competes in the market, and expands. The organiz...
    Updated: 26th July 2021
    Insurance vs Assurance: Know the Difference

    Insurance vs Assurance: Know the Difference

    Insurance vs Assurance: Know the Difference The terms insurance and assurance are the most common words used in the insurance industry. Both the terms are used when the insurance company provides financial aid after raising the claim. This ...
    Updated: 8th July 2021
    AYUSH Health Insurance Benefits

    AYUSH Health Insurance Benefits

    AYUSH Health Insurance Benefits AYUSH is an abbreviation used for Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy. It is an alternative treatment system offered by the healthcare industry. The drugs and medicines used under these t...
    Updated: 13th July 2021
    Cooling off Period in Health Insurance

    Cooling off Period in Health Insurance

    Cooling off Period in Health Insurance The Cooling-off period is the duration during which a Covid-19 affected person cannot buy health insurance coverage. This ‘cool off’ period can range from a few days to a couple of months. During this ...
    Updated: 29th June 2021
     
    Close
    Download the Policybazaar app
    to manage all your insurance needs.
    INSTALL