Cholamandalam Super Top-up Health Plans

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      Cholamandalam Super Top-up Health Plans

      Cholamandalam Healthline is a Super top-up health plan that provides coverage to help you meet hospitalization expenses on a floating or on individual Sum Insured basis. 

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      You can avail additional protection at an affordable premium and the compensation is provided up to the Sum Insured in excess of deductible.

      In case you are worried about your coverage amount getting exhausted then this Chola MS Super top-up policy is an option that you can consider. Complete coverage benefits are available only on a fraction of the premium cost.  

      It is available in two variants i.e. Premier Plan and Supreme Plan.

      Eligibility Criteria



      Minimum Entry Age

      Individual Policy: 18 years

      Family Floater: 3 months

      Maximum Entry Age

      Adults: 70 years

      Dependent Children:18 years

      Sum Insured ( Rs)

      Rs 3 lakh- Rs 25 lakh

      Cooling-off Period

       1 day for accidents

       30 days for other illnesses

      Waiting Period for Pre-existing Diseases

       36 months for Supreme Plan

       48 months for Premier Plan

      *For a specific list of waiting periods, please refer to the Cholamandalam Super Top-up Insurance Policy Terms and Conditions. 

      Sum Insured and Deductibles



      Sum Insured and Deductible Amount

      a. Sum Insured: Rs 3 Lakh
      Deductible: Rs 1/2/3 Lakh


      b. Sum Insured: Rs 5 Lakh
      Deductible: Rs 2/3/4/5/10 Lakh

      c. Sum Insured: Rs 7.5 Lakh
      Deductible: Rs 3/4/5/7.5 Lakh

      d. Sum Insured: Rs 10 Lakh
      Deductible: Rs 5/7.5/10 Lakh

      e. Sum Insured: Rs 15 Lakh
      Deductible: Rs 5/10 Lakh

      f. Sum Insured: Rs 20 Lakh
      Deductible: Rs 5/10/15 Lakh

      g. Sum Insured: Rs 25 Lakh
      Deductible: Rs 10/15/20 Lakh

      You can also refer to the Cholamandalam Health Super Top-up Premium Chart in order to ascertain the premium amount payable. For further details of the policy, please refer to Cholamandalam Health Super Top-up Plan Brochure.

      Key Benefits of Cholamandalam Healthline Super top-up Plan

      The features and benefits that you can avail with Cholamandalam health super top-up policy are as given below:

      • Covers the entire family, including parents-in-law and siblings
      • The policy can be held for 1/2/3 year terms
      • No maximum cover-ceasing age for children
      • Lifelong renewal with Portability and Sum Insured enhancement options
      • Health Check-up is not required before 55 years of age
      • Income Tax deduction available under Section 80D
      • Cholamandalam Health Insurance Claim settlement ratio is 56.25%

      Inclusions of Cholamandalam Healthline Super top-up Plan

      Cholamandalam Super Top-up Healthline plan provides the following coverage benefits to the policyholders-

      • Room rent and Boarding charges, ICU Charges, Doctor’s Fees, surgery, anaesthesia, nursing charges, and oxygen charges are covered
      • Organ Donor Expenses are claimable as well
      • Expenses incurred towards Emergency Ambulance
      • Domiciliary Hospitalisation Expenses
      • AYUSH Treatment expense cover
      • 141 day care procedures/ surgeries are covered up to Sum Insured

      Exclusions of Cholamandalam Healthline Super top-up plan

      Cholamandalam health super top-up policy does not cover the following expenses:

      • Unproven/experimental treatment
      • Any treatments or medical investigation done outside India
      • Psychiatric, mental disorders
      • Congenital anomaly/illness/diseases/conditionswhich are external
      • HIV or AIDS-related treatment
      • Lasik Laser or Refractive Error Correction treatment
      • Treatment arising from or traceable to pregnancy
      • Dental treatment or surgery unless arisen due to accident and requires hospitalization
      • Treatment for ionizing radiation or contamination by radioactivity from any nuclear fuel
      • Treatment taken in ‘excluded’ hospitals updated on the company website from time to time

      For detailed information you can refer to the Cholamandalam Health Super Top-up premium chart and thoroughly check the exclusions to evaluate the appropriate top-up cover option suitable for them.


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