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Cholamandalam MS Critical Healthline Insurance Plan

Cholamandalam MS Critical Healthline Insurance Plan - Fixed Benefit Policy with flexible Sum Insured options for listed Critical Illness mentioned in the Policy. Get Income Tax exemption up to Rs.25,000/- under Section 80 D of IT Act for covering yourself, your spouse and dependent children under Chola MS Critical Healthline Insurance.

How is it different from a standard Mediclaim policy?

But isn't a standard Mediclaim policy enough?

Though a Mediclaim insurance covers both minor and critical hospitalization expenses, it does not provide for loss of income, mortgage repayments, educational expenses arising out of prolonged hospitalization, etc.

Chola MS Critical Healthline Insurance, on the other hand, gives you a lump sum if diagnosed with any of the listed illness (see list) without any hospitalization bill to help manage critical illness expenses, as well as other financial commitments, comfortably.

I already have life cover!

A life insurance policy pays your family when you are not around. Chola MS Critical Healthline Insurance pays you on the diagnosis of a life-threatening disease.

Reasons to buy Chola

UIN no.IRDA/NL-HLT/CHSGI/P-H/V.I/154/13-14

Benefits - Chola MS Critical Healthline Insurance

Coverage - Cholamandalam MS Critical Healthline Insurance Plan

Chola MS will provide a Lump Sum Benefit on the first diagnosis of any of the Critical Illnesses covered under the plan. Which means, you have the security of a guaranteed sum in case you or your family member is diagnosed with a critical illness

• A little note on Survival Period
• Survival period is the time period when the disease and its effects become irreversible. In order for the claim for critical illness insurance to be effective, the severity of illness and survival of the insured person beyond the survival period needs to be established.
• Here's the detailed list of Survival Period for diseases covered in Critical Healthline

• A little more specifications about the critical illness with clarity on valid and non-valid claims
• Cancer of Specified Severity
• Malignant tumors including leukemia, lymphomas and sarcomas characterized by uncontrollable growth and spread of malignant cells and the invasion and destruction of normal tissue are eligible for a claim.
• Stroke Resulting in Permanent Symptoms
• A stroke causing permanent neurological damage, which lasts for more than six months is payable under the policy. Reversible ischaemic attacks and traumatic injuries to brain are excluded.
• First Heart Attack - of Specified Severity
• First occurrence of Myocardial Infarctions are eligible.
• Open Chest CABG
• Open chest surgery for the treatment of a block in one or more coronary arteries with bypass grafts (CABG) is eligible for a claim.
• Kidney Failure requiring regular Dialysis
• A claim is payable when there is failure of both kidneys.
• Multiple Sclerosis with persisting symptoms
• When the symptoms of Multiple Sclerosis persist for at least six months, a claim is payable.
• Major Organ / Bone Marrow Transplant
• This policy covers transplant of a heart, lung, liver, kidney, pancreas (excluding the transplantation of the islets of Langerhans only) or bone marrow.
• Permanent Paralysis of Limbs
• A claim is payable for paralysis when there is a complete and permanent loss of use of both arms or both legs or one arm and one leg, due to paralysis persisting for at least six months.

• Surgery of Aorta
• When arteries become narrow and need surgical intervention to replace diseased ones with grafts, claims are valid.
• Primary Pulmonary Arterial Hypertension
• Pulmonary hypertension or abnormally high blood pressure in the arteries of the lungs is eligible for claim.
• Parkinson's disease (Covered only in Advanced Plan)
• Loss of muscle function and when normal activities are affected due to diseased motor neurons for at least six months is eligible to be covered.
• Motor Neuron Disease (Covered only in Advanced Plan)
• When motor neurons are diseased, and voluntary muscle activities including speaking, walking, breathing, swallowing and general movement of the body are affected for at least six months, claims can be made.

Exclusion - Cholamandalam MS Critical Healthline Insurance Plan

Main Exclusions

Please refer to the Policy document for the complete coverage, exclusions and
terms and conditions of the policy

Premium Table - Cholamandalam MS Critical Healthline Insurance Plan

Above premium includes service tax at 18 %

Please check with nearest Chola MS office for renewal premium above 65 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.

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