Cholamandalam Individual Healthline Plan: Benefits, Buy & Renew Online

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
Boarding, Room & Nursing Expenses	SI 2, 3, 4 & 5 L - Single AC room up to Rs. 3000/day	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