Cholamandalam Individual Healthline Plan

Introduction:

A comprehensive yet flexible option covering a range of health needs such as Ayurvedic/Maternity/Dental and Eye care needs in addition to regular  covers. It also covers other family members with a specific sum insured for each person.

Eligibility:

• For Self / Spouse- Minimum- 18 years, maximum- 65 years. No medical check-up required up to 55 years.
• Dependent Child- Minimum age-3 months, maximum- 26 years. No medical check-up required.

Policy Benefits:

• Facility for Cashless hospitalization at over 2,600 hospitals
• Customizable policy as per the number of family members.
• Facility for Direct claims settlement through Chola MS Help, in case of no claim, Sum insured is automatically increased (Claim Free Bonus).
• 141 day care procedures which not requiring Hospitalisation.

Pre Hospitalization (60 days)/Post Hospitalization (90 days)         

• Emergency Ambulance benefit.
• Daily Cash for choosing shared accommodation.               
• General Health Check-up/Eye Examination/Doctors fees/ Nursing Expenses.                     
• Covers Maternity Expenses/Ayurvedic Treatments        
• Expenses against OPD Dental/External aid (Specs, Contact lens, Hearing aids).

Policy Details:

• No documents/ medical check-up.
• Provides online transaction.
• Lifelong renewal facility.Online renewal process with a grace period of 90 days.
• Cashless claims and reimbursements through a dedicated claims team.
• Sum insured up to 10 Lakhs per person.
  

Exclusions:

• For pre-existing conditions till 48 months of continuous coverage.
• Expenses incurred during first 30 days of commencement of policy (excluding accidental events).
• Illness diagnosed/ diagnosable within 30 days of policy period in case of it being the first Health policy taken Individual.
• Cases of Self-inflicted injury, suicide, act of Terrorism or war/riots etc.
• Participation in any sport.
• Pre-existing diseases as mentioned will be excluded for a period of 1 / 2 years as applicable.

Premium Details: (Individual basis)

• Premium is inclusive of Service tax at 14%.
• Discount of 10% on is given if 10% co-payment is made on all claims under policy.
• The above rates may vary. Please check the policy wordings for more information.