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.
*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
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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.
Here’s Why you Should Buy 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|
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
|Floater Sum Insured options ( Lakhs)||2 L/3L/4L/5L||4L/6L/8L/10L||6L/8L/10L/12L/15L|
up to 50% of the Sum Insured
|5% of SI per claim free year|
|Daily Cash Benefit
|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
|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|
|-||-||Up to 7.5% of Sum Insured - for specific treatments and co pay of 20% is applicable|
(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
|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|
||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.
This comprehensive plan offers a range of benefits with value-added features:
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:
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.
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