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Cholamandalam Health Insurance
- Cholamandalam Individual Healthline Plan
Cholamandalam Individual Healthline Plan
Chola MS Individual Healthline Insurance plan is offered in three variants to cater to different needs of its customer. It is available in three variants that offer freedom and flexibility to choose a plan as per your health requirements. The plan covers all the major expenses including hospitalization charges, maternity expenses, OPD dental cost, etc.
The Benefits Offered are Listed in the Table Below:
| Benefits | Standard | Superior | Advanced |
| Hospitalization Expenses | Covered | Covered | Covered |
| Cost of ambulance | Covered | Covered | Covered |
| 60 days of pre-hospitalization charges | Covered | Covered | Covered |
| 90 days of post-hospitalization charges | Covered | Covered | Covered |
| Eye Examination/ Health Check-up | Covered | Covered | Covered |
| Domiciliary Hospitalization | Not Covered | Covered | Covered |
| Maternity Benefit | Not Covered | Covered | Covered |
| External aids | Not Covered | Not Covered | Covered |
| Ayurveda Treatment Cost | Not Covered | Not Covered | Covered |
| Daily Cash for choosing shared accommodation |
Covered | Covered | Covered |
| OPD Dental Expenses | Not Covered | Not Covered | Covered |
Coverage Provided in Cholamandalam Individual Healthline Insurance Plan
The plan covers the following medical expenses:
- Expenses incurred during the hospitalization are covered
- Doctor’s fees
- Nursing Cost
- Intensive Care Unit
- Cost of physical therapy
- Administration fees, surgical fees, anesthesia, oxygen, and operating theatre charges
- Cost of medicine and drugs consumed on the premises
- Hospital miscellaneous expenses incurred on x-ray, laboratory, diagnostic tests etc.
- Pre-hospitalization and post-hospitalization charges
- Cost of plaster, ordinary splints, and dressing
- Implantation of prosthetic devices during a surgical procedure
- Emergency ambulance charges
- Organ transplantation expenses ( subjected to limitations)
- 141 daycare expenses
| Coverage | Standard |
Superior |
Advanced |
| Sum Insured (INR) | 1 to 5 L | 3.5, 4.5 & 5.5 L | 4.5 L/ 5.5 / 7.5 / 10 |
| No-Claim-Discount | 5% of Sum Insured Per Year | ||
| Daily Cash Benefit for shared accommodation |
INR 250 per day up to a maximum of 7 days ( 1-day deductible) | INR 500 per day up to a maximum of 7 days ( 1-day deductible) | INR 500 per day up to a maximum of 14 days ( 1-day deductible) |
Daily Cash for the Accompanying Minor |
N/A | INR 250 per day up to a maximum of 7 days ( 1-day deductible) | INR 250 per day up to a maximum of 14 days ( 1-day deductible) |
Eye Examination/Medical Check-up |
0.5% of SI for 2 claim-free years | 0.75% of SI for 2 claim-free years | 1% of SI for 2 claim-free years |
| Ambulance cover | Rs. 1000 / person/ policy term | Rs. 2000 / person/ policy term | Rs. 3000 / person/ policy term |
| Domiciliary Hospitalization | N/A | 15% of sum insured (up to a max. of INR 70,000) |
25% of the sum insured (up to a max. of INR 1 lakh) |
| Maternity Benefits (5-years of waiting period) |
N/A | INR 15,000 for normal delivery INR 25,000 for cesarean delivery |
INR 25,000 for normal delivery INR 40,000 for cesarean delivery |
| Ayurveda Treatment |
N/A | N/A | Max. 7.5% of SI (for specific treatments )20% of co-pay |
| OPD Dental Expenses ( 3-years of waiting period) | N/A | N/A | Max. 1% of SI or INR 5,00020% of co-pay |
| External Aids ( Cost of contact lens, spectacles, hearing aids (3-years of waiting period) |
N/A | N/A | Max. 1% of SI or INR 5,000 ( in a block of 2 years)30% of co-pay |
| Sub-limits against diseases |
|
Cataract - 7.5% of SI (Max limit per eyes is Rs. 20,000) |
No sub-limits |
| Boarding, Room & Nursing Expenses |
Non AC room limit is 1 lakh - up to Rs. 1000/day |
Single AC room up to Rs. 3000/day |
4.5 L/ 5.5 L Single AC room up to Rs. 3000/day |
| SI 2, 3, 4 & 5 L - Single AC room up to Rs. 3000/day |
SI - 7.5 L/10 L (Max. 1% of the Sum Insured) |
||
| Chola MS Wellness Service |
Rs.350 or Rs. 500 per individual | ||
Exclusions of Cholamandalam Individual Healthline Insurance Plan
When you buy a health insurance policy, you should know its details in order to avoid any confusion later:
- Pre-existing conditions are not covered until the completion of 48 months of continuous coverage from the policy inception date.
- Any medical expenses incurred during the initial 30 days of the policy commencement date except for accidental cases. It is not valid on renewed policies.
- Any health condition that was diagnosed within 30 days of the policy commencement date ( only for the first time buyers)
Following illnesses are not covered during the first and second year of the policy term:
| Illnesses Not Covered for 1-year |
Illnesses Not Covered for 2 years |
| Benign Prostatic Hypertrophy, Cataract, Hysterectomy for Menorrhagia or Fibromyoma, Fistula, Hernia, Hydrocele, Sinusitis, Gallstones and Piles, | Spondylosis, Spondylitis, Knee / Hip joint replacement, Heart diseases, Osteoarthritis, Internal congenital diseases, Blood Cancer/Carcinoma / Sarcoma, Gastric & Duodenal Ulcers, cysts, Internal Tumours, Gout & Rheumatism, Nodules, Polyps/ breast lumps (except malignant), ENT Surgery, Surgery of genitourinary system, varicose veins surgery, prolapsed intervertebral disk surgery, tonsils and varicose ulcers |
Written By: PolicyBazaar - Updated: 29 June 2020
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Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
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