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Cholamandalam Chola Hospital Cash Healthline Insurance Plan

Cholamandalam Chola Hospital Cash Healthline Insurance Plan - Fixed Daily Allowance shall be paid for each completed 24 hours of hospitalization which takes care of your miscellaneous expenses during hospitalization. In case of hospitalization in the Intensive Care Unit the daily cash benefit stands doubled for the duration of ICU confinement. Additionally, a lump-sum convalescence benefit will be paid in case of hospitalisation exceeding a continuous period of 20 days.

Reasons to choose Chola MS

  • Daily Cash benefit: You'll receive a daily cash amount for each continuous and completed period of 24 hours during hospitalization irrespective of whatever you spend.
  • No fuss, no formalities: Simple paperwork and exemption from pre policy medical check makes Chola Hospital Cash Healthline (Revision) an easy, simple health insurance plan
  • Direct claims settlement: Quick and efficient settlement through Chola MS HELP ensures direct dealing, eliminating third party involvement.

A quick look at the unique features of Chola Hospital Cash Healthline (Revision)

  • Entry age up to 65 yrs of age
  • No Medical check-up till 55 yrs of age
  • Lifetime renewal
  • 3 plans with a variety of benefits
  • Double cash for ICU treatment
  • Convalescence Benefit - Lump sum amount for hospitalization beyond 20 days
  • Direct claims settlement through Chola MS HELP -
  • Up to 10% family discount on the premium paid
  • 30 days grace period for renewal
Relationships covered Entry Age 
Plans Remarks
Self / Spouse / Dependant Parents 18 - 65 years Plan A / Plan B / Plan C No medical 
up to 55 years
Dependent Child 3 months to 36 yrs Plan A / Plan B / Plan C No medical 

UIN no.IRDA/NL-HLT/CHSGI/P-H/V.I/396/13-14

Benefits - Cholamandalam Chola Hospital Cash Healthline Insurance Plan

Chola Hospital Cash Healthline is available in three flexible variants to give you the freedom to choose the right plan according to your need. Whatever plan you opt for, you are ensured of maximum benefits. Have a closer look at the benefits in the table below.

Benefits Plan A Plan B Plan C
Illness / Accident Hospital Confinement Max 20 days (more than 24 hrs hospitalisation)
RS1000 per day RS2000 per day RS3000 per day
Intensive Care Benefit (more than 24 hrs hospitalisation in ICU)
Twice the limit of Hospital cash shown above
Convalescence Benefit (Lump sum payment on continuous hospitalization beyond 20 days payable once per policy period per person )
RS10000 RS15000 RS20000
Family discount
5% on total premium for every additional insured up to 10%

Coverage - Cholamandalam Chola Hospital Cash Healthline Insurance Plan

  • Hospital Confinement Cash Benefit
  • Double confinement benefit - in case of ICU hospitalization
  • Convalescence Benefit - Lump sum payment for hospitalization beyond 20 days
  • Family Discount - 5% on the total premium for every additional insured

Exclusion - Cholamandalam Chola Hospital Cash Healthline Insurance Plan

Main Exclusions
Given below is a partial listing of exclusions. For complete details, please read policy terms & conditions available in the downloads section)

  • Benefits will not be available for any pre-existing condition(s), until 48 consecutive months of continuous coverage have elapsed, since inception of the first policy with this insurer.
  • Any illness diagnosed or diagnosable within 30 days of the effective date of the policy period if this is the first individual Hospital Cash benefit policy with Chola MS. If you renew the hospital cash benefit policy with the Chola MS, this waiting period of 30 days is however is not applicable. In case of change of plan on renewal, this exclusion will apply in relation to the amount by which the daily benefit limit has been increased due to change of plan.
  • The following diseases are excluded during the first and second year of policy inception.
Illnesses excluded for One year Illnesses excluded for Two years
Cataract, Benign Prostratic Hypertropy, Hysterectomy for Menorrhagia or Fibromyoma, Hernia, Hydrocele, Fistula, Piles, Sinusitis & related disorders, Gall stones.
Spondilitis, Spondilosis, Knee / Hip joint replacement, Internal congenital diseases , Osteoarthritis of any joint, Calculus diseases of gall bladder and urogenital, Gastric & duodenal ulcers, Internal Tumours, cysts, nodules, polyps including breast lumps (each of any kind unless malignant), Gout & Rheumatism, ENT disorders & Surgery, Surgery of genito urinary system, Surgery for prolapsed inter vertebral disk, Surgery of varicose veins & varicose ulcers, Surgery on tonsils

If these diseases are pre-existing at the time of proposal, the same will be considered under the policy as per general exclusion number 1 above.

Please refer to the Policy Wordings for the complete coverages, exclusions and
terms and conditions of the policy

Premium Table - Cholamandalam Chola Hospital Cash Healthline Insurance Plan

Plans Plan A Plan B Plan C
Age Band in Years Premium
<=1 678 1172 1666
2-5 484 788 1092
6-18 546 909 1273
19-35 720 1257 1794
36-45 744 1304 1864
46-50 849 1513 2177
51-55 976 1764 2553
56-60 1213 2236 3258
61-65 1433 2673 3914
66-70 2158 4114 6069
71-75 4103 7982 11862
76-80 4924 9578 14234
  • Above premium excludes service tax at 15 %
  • Please check with nearest Chola MS office for renewal premium above 80 yrs
  • The company may from time to time and subject to IRDA approval, will revise premium rates based on experience
  • The premium rates, terms and conditions at the time of renewal shall apply