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.
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 |
The plan covers the following medical 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 |
When you buy a health insurance policy, you should know its details in order to avoid any confusion later:
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 |
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