Cholamandalam Family Healthline Plan

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About Chola MS Family Healthline Insurance 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.

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 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.