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)
  •        
    Hydrocele or Hernia - 10% of SI (Max limit is Rs. 30,000)
  • Sinusitis - 10% 
    of SI (Max limit is Rs. 30,000)
  • Anal Fissure, Fistula in Anus, Piles - 10% of 
    SI (Max limit is Rs. 30,000)
  • Tonsilitis - 15% 
    of SI (Max limit is Rs. 40,000)
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

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