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:  

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

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: