Cholamandalam Family Healthline Plan

*Please note that the quotes shown will be from our partners

Introduction:

This policy is made up for young families and allows a comprehensive yet flexible option covering a range of health needs such as Ayurvedic/Maternity/Dental and Eye care needs in addition to regular  covers. This takes care of the insured, spouse and children with a Floater Sum insured which - allows any family member to claim till the full sum insured.

Eligibility:

  • For Self / Spouse- Minimum- 18 years, maximum- 65 years. No medical check-up required up to 55 years.
  • Dependent Child- Minimum age-3 months, maximum- 26 years. No medical check-up required.

Policy Benefits:

  • Facility for Cashless hospitalization at over 2,600 hospitals
  • Customizable policy as per the number of family members.
  • Facility for Direct claims settlement through Chola MS Help, in case of no claim, Sum insured is automatically increases (Claim Free Bonus).
  • 141 day care procedures which not requiring Hospitalisation.

Policy Details:

  • Lifelong renewal facility.
  • Cashless claims and reimbursements through a dedicated claims team.
  • Floater Sum insured up to Rs 15 Lakhs

Exclusions:

  • For pre-existing conditions till 48 months of continuous coverage.
  • Expenses incurred during first 30 days of commencement of policy (excluding accidental events).
  • Illness diagnosed/ diagnosable within 30 days of policy period in case of it being the first Health policy taken Individual.
  • Cases of Self-inflicted injury, suicide, act of Terrorism or war/riots etc.
  • Participation in any sport.
  • Pre-existing diseases as mentioned will be excluded for a period of 1 / 2 years as applicable.

Major Schedule of Benefits:

 

Floater Sum Insured SI 
options in 
RSLakhs

2/3/4/5

4/6/8/10

6/8/10/12/15

Claim-free bonus 
up to 50% of SI

5% of SI every claim free year

Daily Cash for choosing 
shared accommodation

RS250 per day for max 7 days with 1 day deductible

RS500 per day for max 7 days with 1 day deductible

RS500 per day for max 14 days with 1 day deductible

Minor Accompaniment 
Daily Cash

-

RS250 per day for max 7 days with 1 day deductible

RS250 per day max 14 days with 1 day deductible.

General Health 
Check-up & Eye 
Examination

0.5% of SI once after every two continuous claim free renewals, excluding the year in which t is benefit is claimed

0.75% of SI once after every two continuous claim free renewals, excluding the year in which this benefit is claimed

1.0% of SI once after every two continuous claim free renewals, excluding the year in which this benefit is claimed

Emergency Ambulance

RS1000 per insured per policy year

RS2000 per insured per policy year

RS3000 per insured per policy year

Home Hospitalisation

-

15% SI maxRS70,000

Up to 25% SI max RS1 lakh

Maternity Expenses,
waiting period 5 years

-

RS15,000 Normal /RS25,000 Caesarean

RS25,000 Normal /RS40,000 Caesarean

Ayurvedic Therapy 
Treatments.

-

-

Up to 7.5% of SI - Specific treatments only and 20% co-payment

Room, Boarding & 
Nursing Expenses

AC Single Room up to Rs.3000 per day

SL 4 Lakhs AC Single Room up to Rs.3000 per day

SI 6/8/10 Lakhs Max 1% of the Sum Insured

SI 6/8/10/12/15 Lakhs Max 1% of the Sum Insured

Reduction in Claim 
Free Bonus in the event 
of claim(s) during the 
policy period

5%

5%

5%

Chola MS Wellness Service*

Option 1 for RS350 including ST per person or 
Option 2 for RS500 including ST per person

 

Premium Details:

PREMIUM RATES WITH OUT 10% COPAYMENT:

STANDARD

2 ADULTS

SI in RS / Age Bands

200,000

300,000

400,000

500,000

18-35

5930

7300

8445

9440

36-45

9390

11849

12401

14690

46-50

12691

17368

20506

23857

51-55

17982

23152

27435

31125

56-60

24905

31875

37640

42604

61-65

30612

39381

46630

52865

66-70

46854

60741

72208

82061

2 ADULTS + 1 KID

SI in RS / Age Bands

200,000

300,000

400,000

500,000

18-35

6511

8063

9359

10830

36-45

9742

12312

14450

17466

46-50

15268

19580

23154

28166

51-55

18515

23854

28275

34481

56-60

27317

35046

41437

48020

61-65

34417

44383

52620

61070

66-70

50210

65153

77491

90101

 

2 ADULTS + 2 KIDS

SI in RS / Age Bands

200,000

300,000

400,000

500,000

18-35

7500

9410

10168

11739

36-45

10631

13526

15929

18004

46-50

16091

20708

23827

28542

51-55

21198

27425

32578

37011

56-60

30313

39064

46297

52517

61-65

40280

52173

61994

70434

66-70

59880

77948

92858

105662

 

2 ADULTS + 3 KIDS

SI in RS / Age Bands

200,000

300,000

400,000

500,000

18-35

10764

13656

16055

18126

36-45

15299

19619

24350

27598

46-50

21995

28427

38254

47330

51-55

31323

41864

49839

56696

56-60

45402

58826

69912

79435

61-65

56486

73403

87366

99359

66-70

81531

106339

126804

144374

 

 

 

 

1 ADULT + 1 KID

SI in RS / Age Bands

200,000

300,000

400,000

500,000

18-35

5834

7173

8293

9266

36-45

7629

9532

11121

12499

46-50

11975

15250

17971

20320

51-55

15314

19644

23234

26331

56-60

22495

28704

33844

38271

61-65

29090

37379

44233

50130

66-70

43499

56327

66924

76031

 

1 ADULT + 2 KIDS

SI in RS / Age Bands

200,000

300,000

400,000

500,000

18-35

7090

8476

9853

11403

36-45

9471

11404

13361

15567

46-50

12333

15721

18535

20964

51-55

17093

21982

26035

29527

56-60

24905

31875

37640

42604

61-65

32134

41381

49025

55600

66-70

45736

59270

70446

80051

 

 

1 ADULT + 3 KIDS

SI in RS / Age Bands

200,000

300,000

400,000

500,000

18-35

7670

9741

11368

14999

36-45

11152

13560

15943

20974

46-50

18059

23250

27549

31253

51-55

22429

28999

34436

39116

56-60

31175

40119

47511

53870

61-65

38983

50388

59808

67907

66-70

56922

73978

88058

100152

 

 

SUPERIOR

2 ADULTS

SI in RS / Age Bands

400,000

600,000

800,000

1,000,000

18-35

10670

14274

19838

23829

36-45

14777

19771

27990

33772

46-50

23461

31955

46314

55850

51-55

29003

36951

56798

68352

56-60

40630

51887

76345

91574

61-65

50837

65340

96033

116408

66-70

73468

95168

141099

171523

 

2 ADULTS + 1 KID

SI in RS / Age Bands

400,000

600,000

800,000

1,000,000

18-35

13230

17189

23682

27791

36-45

17283

23172

32689

38532

46-50

28164

38499

48306

57156

51-55

34072

43533

59895

71279

56-60

45494

58199

82953

98420

61-65

58573

75437

103499

123082

66-70

82934

107544

149591

178417

 

 

2 ADULTS + 2 KIDS

SI in RS / Age Bands

400,000

600,000

800,000

1,000,000

18-35

13023

16903

24514

28477

36-45

17981

23621

32195

37509

46-50

28266

36078

47313

57402

51-55

39375

50644

63109

74066

56-60

52746

67914

84573

99319

61-65

67188

86948

108546

127752

66-70

102289

133207

166807

196853

 

 

2 ADULTS + 3 KIDS

SI in RS / Age Bands

400,000

600,000

800,000

1,000,000

18-35

18284

22204

30249

36419

36-45

27034

30482

41612

50290

46-50

41235

53052

66071

77560

51-55

53116

68627

85688

100767

56-60

73209

94719

118235

139142

61-65

90683

117749

147240

173545

66-70

130134

169740

212719

251207

 

1 ADULT + 1 KID

SI in RS / Age Bands

400,000

600,000

800,000

1,000,000

18-35

10521

13218

16736

19890

36-45

13805

18111

23231

27787

46-50

20951

26323

32410

37639

51-55

26511

33569

41538

48405

56-60

37141

47193

58383

68158

61-65

47550

60912

75663

88655

66-70

70253

90835

113351

133357

 

 

1 ADULT + 2 KIDS

SI in RS / Age Bands

400,000

600,000

800,000

1,000,000

18-35

12451

15585

21106

26353

36-45

16767

21260

30706

38448

46-50

23769

30852

42228

50502

51-55

30537

39381

52052

62239

56-60

41849

53947

71219

84410

61-65

52151

68017

88984

105751

66-70

75431

99190

129016

153461

 

 

1 ADULT + 3 KIDS

SI in RS / Age Bands

400,000

600,000

800,000

1,000,000

18-35

13596

18192

23935

29229

36-45

18627

23341

28652

33240

46-50

30530

38945

48306

56490

51-55

37713

48330

60127

70452

56-60

50809

65203

81063

95058

61-65

63126

81436

101510

119310

66-70

91388

118684

148422

174951

 

ADVANCED

2 ADULTS

SI in RS / Age Bands

600,000

800,000

1,000,000

1,200,000

1,500,000

18-35

18980

21841

24460

29158

36012

36-45

23259

28474

36412

40808

53249

46-50

36416

47182

57596

71618

87424

51-55

47079

61331

73675

90072

108317

56-60

63744

83554

102583

123369

146143

61-65

79872

104223

133213

154989

184117

66-70

113128

149752

189205

220977

263435

 

2 ADULTS + 1 KID

SI in RS / Age Bands

600,000

800,000

1,000,000

1,200,000

1,500,000

18-35

19648

25034

29022

33985

40349

36-45

25612

33390

39179

49248

57424

46-50

39312

58322

69020

81523

96118

51-55

47747

70364

83575

99029

117041

56-60

64412

93672

111656

132681

157213

61-65

81171

114832

137418

163840

194632

66-70

117509

162110

195071

233674

278578

 

 

2 ADULTS + 2 KIDS

SI in RS / Age Bands

600,000

800,000

1,000,000

1,200,000

1,500,000

18-35

18955

26891

33463

37825

43958

36-45

24817

36148

42869

50952

59642

46-50

40123

55398

65062

76208

89903

51-55

51792

67978

80860

94080

111280

56-60

69924

90881

107446

126508

150007

61-65

88142

112704

134567

158860

188868

66-70

140578

173937

204115

234294

279562

 

 

2 ADULTS + 3 KIDS

SI in RS / Age Bands

600,000

800,000

1,000,000

1,200,000

1,500,000

18-35

27670

35643

41903

48539

56696

36-45

36297

47271

56060

65280

76715

46-50

59358

72160

83768

95377

112790

51-55

75424

92206

107413

122620

145430

56-60

101932

125173

146214

167255

198818

61-65

125378

154597

181041

207486

247152

66-70

177849

220562

259196

297830

355779

 

 

1 ADULT + 1 KID

SI in RS / Age Bands

600,000

800,000

1,000,000

1,200,000

1,500,000

18-35

18023

21902

25548

28232

32259

36-45

22478

28929

34223

38172

44095

46-50

32295

42520

52830

59586

69721

51-55

38982

54039

66076

74799

87885

56-60

51217

70282

88213

100159

118077

61-65

62856

87195

110064

125378

148348

66-70

98943

127039

158156

180945

215128

 

1 ADULT + 2 KIDS

SI in RS / Age Bands

600,000

800,000

1,000,000

1,200,000

1,500,000

18-35

21052

26499

31838

39322

45604

36-45

27074

36365

44218

55078

64439

46-50

37159

48317

56711

73954

87011

51-55

46178

58571

68886

93131

109944

56-60

61160

78157

91482

122957

145510

61-65

75645

96342

113248

154566

183470

66-70

107298

136859

161450

224451

267480

 

 

1 ADULT + 3 KIDS

SI in RS / Age Bands

600,000

800,000

1,000,000

1,200,000

1,500,000

18-35

23919

29480

34654

38767

44936

36-45

31451

38950

46276

52115

60873

46-50

40783

56989

65776

74564

87743

51-55

51437

70538

84608

96238

113684

56-60

69539

95955

115485

131708

156042

61-65

92775

117715

144728

165477

196601

66-70

132362

166348

205817

236079

281473

 

  • Premium is inclusive of Service tax at 14%.
  • Discount of 10% on is given if 10% co-payment is made on all claims under policy.
  • Premium is calculated based on the age of senior most covered member in family.
  • Premium rates may change. Please check the policy wordings for more details.