Cholamandalam Top Up Healthline Plan

This policy comes at an affordable premium rate. It offers financial cover against hospitalisation with a higher sum insured over a Deductible benefit, thus enhancing the cover.

Eligibility:

For Self / Spouse- Minimum- 18 years, maximum- 65 years. No medical check-up required up to 55 years.
Dependent Child- Minimum age-3 months, maximum- 26 years. No medical check-up required.

Policy Details:

Plans vary over a range of Sum Insured/Deductible combinations to suit the primary cover.
Options of 1/2/3 year’s policy period, thus removing the problem of yearly renewals.
Individual and floater policy availability.
Facility for cashless hospitalization at over 2,600 hospitals
30 days grace period for renewal.
Cashless claims and reimbursements through a dedicated claims team.

Policy Benefits:

Plan Option	A in RS	B in RS	C in RS	D in RS	E in RS	F in RS	G in RS
Hospitalisation Sum insured (over deductible) in RS	50,000	2 lakhs	3 lakhs	5 lakhs	6 lakhs	10 lakhs	15 lakhs
Deductible in RS	30,000	1 lakh	2 lakhs	3 lakhs	4 lakhs	5 lakhs	5 lakhs
Total Hospitalisation Expenses in RS	80,000	3 lakhs	5 lakhs	8 lakhs	10 lakhs	15 lakhs	20 lakhs
Room charges per day limit in RS	500	2,000	4,000	5,000	6,000	7,500	10,000
Pre-hospitalisation Benefits	Expenses up to 60 days before hospitalisation. Up to 5% of admissible hospitalisation claim payable.
Post-hospitalisation Benefits	Expenses up to 90 days after hospitalisation. Up to 10% of admissible hospitalisation claim payable or RS 50,000 whichever is less.
Emergency Ambulance	Up to Rs 3,000 per hospitalisation

Premium Details:

Premium in Rs (Includes Service Tax @14%)
ONE YEAR PREMIUMS
Plan	Coverage / Deductible	No. of Members / Age	3 months to 40 years	40 years to 65 years	65 years to 70 years
Plan A	50000 / 30000	1 Member	2508	3865	4740
		2 Members	2827	4522	5617
		3 Members	3146	5180	6493
		4 Members	3401	5707	7196
		5 Members	3618	6154	7792
Plan B	2 lakhs / 1 lakh	1 Member	2678	4171	5070
		2 Members	3039	4907	6028
		3 Members	3401	5642	6988
		4 Members	3690	6229	7755
		5 Members	3935	6729	8408
Plan C	3Lacs / 2Lacs	1 Member	3036	4806	5824
		2 Members	3486	5700	6972
		3 Members	3938	6593	8120
		4 Members	4298	7307	9038
		5 Members	4604	7915	9819
Plan D	5 lakhs / 3 lakhs	1 Member	3598	5770	6947
		2 Members	4188	6904	8376
		3 Members	4780	8038	9805
		4 Members	5253	8946	10947
		5 Members	5656	9716	11920
Plan E	6 lakhs / 4 lakhs	1 Member	3602	5667	6736
		2 Members	4194	6776	8111
		3 Members	4787	7885	9487
		4 Members	5261	8772	10588
		5 Members	5664	9526	11523
Plan F	10 lakhs / 5 lakhs	1 Member	4061	6311	7380
		2 Members	4767	7580	8917
		3 Members	5474	8850	10455
		4 Members	6040	9866	11684
		5 Members	6521	10729	12729
Plan G	15 lakhs / 5 lakhs	1 Member	4589	7127	8282
		2 Members	5428	8601	10045
		3 Members	6265	10075	11807
		4 Members	6937	11254	13217
		5 Members	7508	12257	14416

TWO YEAR PREMIUMS
Plan	Coverage / Deductible	No. of Members / Age	3 months to 40 years	40 years to 65 years	65 years to 70 years
Plan A	50000 / 30000	1 Member	4819	7418	9096
		2 Members	5430	8679	10778
		3 Members	6041	9940	12458
		4 Members	6530	10949	13803
		5 Members	6946	11807	14945
Plan B	2 lakhs / 1 lakh	1 Member	5144	8007	9728
		2 Members	5837	9415	11566
		3 Members	6529	10824	13404
		4 Members	7084	11951	14876
		5 Members	7555	12908	16125
Plan C	3Lacs / 2Lacs	1 Member	5830	9223	11174
		2 Members	6694	10936	13374
		3 Members	7558	12648	15575
		4 Members	8249	14017	17335
		5 Members	8837	15183	18832
Plan D	5 lakhs / 3 lakhs	1 Member	6907	11069	13327
		2 Members	8040	13243	16066
		3 Members	9174	15417	18804
		4 Members	10080	17156	20994
		5 Members	10851	18634	22857
Plan E	6 lakhs / 4 lakhs	1 Member	6915	10874	12922
		2 Members	8051	12999	15559
		3 Members	9186	15124	18196
		4 Members	10095	16824	20306
		5 Members	10868	18270	22098
Plan F	10 lakhs / 5 lakhs	1 Member	7794	12107	14158
		2 Members	9149	14541	17103
		3 Members	10504	16973	20049
		4 Members	11588	18921	22406
		5 Members	12509	20575	24409
Plan G	15 lakhs / 5 lakhs	1 Member	8805	13673	15886
		2 Members	10413	16498	19264
		3 Members	12021	19323	22643
		4 Members	13307	21582	25344
		5 Members	14400	23503	27642

THREE YEARS PREMIUM
Plan	Coverage / Deductible	No. of Members / Age	3 months to 40 years	40 years to 65 years	65 years to 70 years
Plan A	50000 / 30000	1 Member	6907	10604	12993
		2 Members	7777	12399	15382
		3 Members	8647	14192	17773
		4 Members	9342	15627	19686
		5 Members	9933	16847	21311
Plan B	2 lakhs / 1 lakh	1 Member	7370	11442	13890
		2 Members	8356	13446	16504
		3 Members	9341	15449	19119
		4 Members	10129	17051	21211
		5 Members	10799	18413	22989
Plan C	3Lacs / 2Lacs	1 Member	8346	13172	15947
		2 Members	9575	15608	19077
		3 Members	10804	18043	22206
		4 Members	11788	19991	24710
		5 Members	12623	21647	26837
Plan D	5 lakhs / 3 lakhs	1 Member	9878	15798	19010
		2 Members	11490	18890	22904
		3 Members	13101	21981	26798
		4 Members	14391	24455	29914
		5 Members	15487	26557	32563
Plan E	6 lakhs / 4 lakhs	1 Member	9891	15520	18433
		2 Members	11505	18542	22182
		3 Members	13120	21565	25933
		4 Members	14412	23983	28933
		5 Members	15510	26038	31483
Plan F	10 lakhs / 5 lakhs	1 Member	11139	17273	20189
		2 Members	13067	20734	24379
		3 Members	14993	24195	28570
		4 Members	16536	26964	31921
		5 Members	17846	29317	34770
Plan G	15 lakhs / 5 lakhs	1 Member	12578	19501	22648
		2 Members	14864	23518	27453
		3 Members	17151	27537	32257
		4 Members	18981	30750	36102
		5 Members	20536	33483	39369

Premium is inclusive of Service tax at 14%.
Premium is calculated based on the age of senior most covered member in family.
Premium rates may vary. Please check the policy wordings for more details.

Exclusions:

For pre-existing conditions till 48 months of continuous coverage.
Expenses incurred during first 90 days of commencement of policy (excluding accidental events).
Cases of Self-inflicted injury, suicide, act of Terrorism or war/riots etc.
Participation in any sport.
Pre-existing diseases as mentioned will be excluded for a period of 1 / 2 years as applicable.

Written By: PolicyBazaar - Updated: 17 December 2020

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Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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