Cholamandalam Chola Healthline Health Insurance Plan

Benefits of Cholamandalam Chola Healthline Health Insurance Plan

1. Summary of Benefits

• Single occupancy AC room is allowed for all Sum Insured except 2 Lakhs. For Rs 2 Lakh Sum Insured the maximum room rent limit per day is Rs 3,000/-
• In the event of Insured occupying a higher room category than the eligibility under the plan opted, differential room rent would be deducted from the claim amount.
• In the case of Family floater policy, the benefits shown in the table above will represent our maximum liability for any and all claims made by Insured person(s) during the policy period.
• We will pay for Medical Expenses incurred in a Day Care Procedure/ Treatment that requires less than 24 hours of hospitalisation, upto Sum Insured mentioned in the policy schedule, if it is performed in a network hospital. In case the procedure is performed in a non network hospital, the same must be pre-authorised by us. Pre-authorisation has to be obtained 72 hours prior to the date of admission in case of planned admission and within 24 hours in case of emergency admission.
• Please refer policy wordings for detailed benefits.

Cover - Cholamandalam Chola Healthline Health Insurance Plan

Basic Coverage

• Hospital admission longer than 24 hrs
• Related medical expenses incurred upto 30/60 days prior to date of admission
• Related medical expenses incurred upto 60/90 days from date of discharge
• 141 Listed day care procedures requiring hospitalization for less than 24 hrs
• Domiciliary Hospitalisation
• AYUSH Coverage
• Donor Expenses for organ transplantation
• Ambulance Expenses
• Maternity Expenses (under Privilege Plan)
• New Born Baby Hospitalisation Expenses (under Privilege Plan)

Additional Benefits

• Child Hospitalization Allowance per hospitalization
• Outpatient Dental/Specs/Contact Lens/Hearing Aids
• Extended Hospitalisation Allowance
• Double Sum Insured for Accidents and Critical Illnesses
• Specialist opinion for Critical Illness

Renewal Benefits

• Health checkup
• Cumulative Bonus

Life long renewal

Option to select the Policy Term

• Discount on long term policy purchase: 6% on 2 year policy & 12% on 3 year policy

Location based Discount:

A discount of 10% on the premium for Insured from Tier 2 locations

• Tier 1 Locations: Mumbai, Chennai, Bengaluru, Kolkotta, New Delhi, Gurgaon, Hyderabad, Ahmedabad
• Tier 2 Locations: Rest of India excluding Tier 1 Locations

Exclusion - Cholamandalam Chola Healthline Health Insurance Plan

Initial Waiting Period - 30 days for all illness (not applicable on renewal and for accidents)

Two Year Exclusion - Expenses incurred on treatment of following diseases within the first 2 years from the commencement of the Policy will not be admissible: Congenital Internal Anomaly, Varicose veins and Varicose Ulcers, Rheumatism and arthritis of any kind, Treatment of diseases on ears/ tonsils /adenoids /paranasal sinuses / Deviated Nasal Septum, Stones in the Urinary and Biliary systems, Gastric or Duodenal Ulcer, Any type of benign Cyst/ Nodules/ Polpys/ Tumours/ Breast Lumps, Intervertebral Disc Prolapse, and Degenerative Disc / vertebral Disorders, Cataract, Benign Prostatic Hypertrophy, Myomectomy, Hysterectomy unless because of malignancy, Dilatation and curettage (D&C), Anal Fistula, Fissure and Piles, All types of Hernia, Hydrocele, Chronic Renal Failure, Joint replacement Surgery unless because of accident.

If these diseases are pre-existing at the time of proposal, the same will be considered as a pre-existing condition and the applicable waiting period shall apply.

Pre-Existing Disease (PED) - Benefits will not be available for any pre-existing condition(s) as defined in the policy, until 48 consecutive months of continuous coverage have elapsed, since inception of the first policy with Us.

Important Exclusions:

• War or any act of war, invasion, acts of foreign enemies, hostilities whether are be declared or not, civil war, revolution, insurrection, mutiny, martial law
• Any Insured Person committing or attempting to commit a breach of law with criminal intent or intentional self-injury or attempted suicide whether sane or insane
• Vaccination or inoculation unless forming a part of post-animal bite treatment
• Non medical Expenses during Hospitalisation

Note: the above is a partial listing of the policy exclusions. Please refer to the policy clauses for the full listing

Refer policy wordings for detailed list of exclusions

• With Chola Healthline, you get insurance coverage from Rs. 2 – 25 lakhs
• Discount on long term policy purchase: 6% on 2 year policy & 12% on 3 year policy
Location based Discount:

A discount of 10% on the premium for Insured from Tier 2 locations

Tier 1 Locations: Mumbai, Chennai, Bengaluru, Kolkotta, New Delhi, Gurgaon, Hyderabad, Ahmedabad

Tier 2 Locations: Rest of India excluding Tier 1 Locations

• The policy covers dependent children of up to 26 years and adults from 18-65 years
• Premium is inclusive of 18% service tax.