Cholamandalam Hospital Cash Healthline Plan

The Cholamandalam Hospital Cash Healthline plan provides a fixed daily cash benefit to the insured for each day of hospitalization. It helps to cover miscellaneous medical and non-medical expenses like transportation expenses, medicine costs, a hospital stay of a member with the patient, etc. It also offers a double cash benefit for ICU admission along with the convalescence benefit for long hospitalization.

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Cholamandalam Hospital Cash 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

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    Cholamandalam Hospital Cash Healthline Plan: Key Highlights

    Categories Specifications
    Sum Insured Rs 1000 to Rs 3000 per day
    Policy Tenure 1 year, 2 years, 3 years
    Network Hospitals 10,000+
    Incurred Claim Ratio (2020-21) 77.35%
    Pre-policy Medical Check-up Required for people above 55 years
    Pre-existing Disease Waiting Period 4 years
    Initial Waiting Period 30 days
    Specific Disease/Procedure Waiting Period 2 years
    Discount Up to 10% family discount

    Benefits of Cholamandalam Hospital Cash Healthline Plan

    Here are the key benefits of buying a Cholamandalam Hospital Cash Healthline plan:

    • Coverage for Miscellaneous Hospitalization Expenses

      This Cholamandalam health insurance policy pays a daily allowance to the insured to manage day-to-day ancillary expenses incurred during hospitalization. For eg: attendant expenses, transportation expenses, medicine costs, etc.

    • Double Benefit for ICU Hospitalization

      If the patient is admitted to the ICU, the Cholamandalam MS General Insurance Company will pay twice the daily cash benefit amount.

    • Convalescence Benefit

      The patient also gets a lump sum amount as the convalescence benefit in case he/she is admitted to the hospital for more than 20 days.

    • Tax Benefits

      The premium for the Cholamandalam Hospital Cash Healthline policy is eligible for tax savings under Section 80D of the IT Act.

    Cholamandalam Hospital Cash Healthline Plan Eligibility Criteria:

    Check out the eligibility criteria for buying a Cholamandalam Hospital Cash Healthline plan:

    Parameters Eligibility Criteria
    Minimum Entry Age Adult - 18 years
    Child – 3 months
    Siblings – 5 years
    Maximum Entry Age Adult - 65 years
    Child – 26 years
    36 years (for unmarried female children)
    Coverage Type Individual
    Relationships Covered Self, spouse, dependent parents, parents-in-law, siblings and dependent children
    Renewability Lifetime

    Types of Cholamandalam Hospital Cash Healthline Plan

    There are six types of Cholamandalam Hospital Cash Healthline plans:

    • Plan A – This plan offers a hospital cash allowance of Rs 1000 per day for a maximum of 20 days.
    • Plan B – This plan pays a daily cash benefit of Rs 2000 for up to 20 days of hospitalization.
    • Plan C – This plan provides a daily cash allowance of Rs 3000 for a maximum of 20 days of hospitalization.
    • Plan D – This plan offers a hospital cash benefit of Rs 1000 per day for up to 25 days.
    • Plan E – This plan pays a daily cash allowance of Rs 2000 for a maximum of 25 days of hospitalization.
    • Plan F – This plan provides a hospital cash allowance of Rs 3000 per day for a maximum of 25 days.

    Inclusions of Cholamandalam Hospital Cash Healthline Plan

    The Cholamandalam Hospital Cash Healthline plan includes the following coverage:

    • Hospitalization Cash Benefit – Illness/Accident – It pays a daily cash allowance to the insured in case he/she is hospitalized for an illness or accidental injury for more than 24 hours.
    • Hospitalization Cash Benefit – ICU – It pays double the hospital cash benefit amount to the insured for each day spent in the ICU.
    • Convalescence Benefit – It pays a lump sum amount to the insured for hospitalization of above 20 days.

    Exclusions of Cholamandalam Hospital Cash Healthline Plan

    The following coverage are excluded under the Cholamandalam Hospital Cash Healthline plan:

    • Self-inflicted injury or suicide
    • Obesity or weight control treatments
    • Maternity expenses
    • Treatment for injuries due to adventure or hazardous sports
    • External congenital diseases
    • Cosmetic or plastic surgery
    • Sexually transmitted diseases
    • Naturopathy treatments

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