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.

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Cholamandalam Individual Healthline Plan

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply

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    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 



    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 
    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
    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 
    • 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 
    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 
    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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