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Cholamandalam Chola MS Family Healthline Insurance Plan

Cholamandalam Chola MS Family Healthline Insurance Plan - Chola MS Family Healthline Insurance is a comprehensive Health insurance suitable for Families covering both Allopathy and Ayurvedic treatments. It is Floater Plan where you can include your family members – Spouse and Children under a single policy allowing any named family member to claim upto the full Sum Insured.

The Policy covers Maternity Expenses, OP Dental treatments, External Aids – Spectacles, Contact lens and hearing aids, Minor Accompaniment cash in addition to Hospitalization expenses.

About Chola MS Family healthline Insurance

Chola MS Family Healthline is an ideal Family Healthline insurance suited for young families. Comprehensive and versatile, this medical insurance plan offers cover for a range of health needs including Ayurvedic treatments, Maternity, Dental and Eye care besides regular covers provided by a standard Mediclaim policy. It covers you, your spouse and children with a Floater Sum insured which - allows any family member to claim up to the full sum insured.

Reasons to choose Chola MS

Lifelong Coverage

  • : Enjoy the benefit of lifelong renewal

Easy and quick claim settlement procedures 

  • - Cashless claims and reimbursements are made through our caring and responsive in-house Claims team

Unique features of Chola MS Family Healthline Insurance

  • First time purchase till 65 years with lifetime renewal
  • Easy purchase up to 55 years (without medicals check-up)
  • Floater Sum insured up to RS15 Lakhs
  • Cashless hospitalization at over 6100+ hospitals
  • Customize your policy as per your family size
  • Direct claims settlement through Chola MS Help - no third party administrator involved
  • In case of no claim, we increase your Sum insured (Claim Free Bonus)
  • Also covers 141 day care procedures that do not require Hospitalisation.
Relationships covered Entry Age limits Plans Remarks
Self / Spouse 18 - 65 years Standard / 
Superior / 
Advanced
No medical 
check up 
required 
up to 55 years
Dependent Child 3 months - 
26 years*
Standard / 
Superior / 
Advanced
No medical 
check up 
required

UIN no.IRDA/NL-HLT/CHSGI/P-H/V.I/153/13-14

Benefits - Cholamandalam Chola MS Family Healthline Insurance Plan

Chola MS Family Healthline insurance is available in three variants, giving you the flexibility and freedom to choose a plan according to your needs.

The benefits covered and the premium amount will depend on the healthcare planyou choose.

BENEFITS Standard Family Health line Superior Family Health line Advanced Family Health line
Floater Sum Insured SI options in RSLakhs
2/3/4/5
4/6/8/10
6/8/10/12/15
Claim-free bonus up to 50% of SI
5% of SI every claim free year
Daily Cash for choosing shared accommodation
RS250 per day for max 7 days with 1 day deductible
RS500 per day for max 7 days with 1 day deductible
RS500 per day for max 14 days with 1 day deductible
Minor Accompaniment Daily Cash
-
RS250 per day for max 7 days with 1 day deductible
RS250 per day max 14 days with 1 day deductible.
General Health Check-up & Eye Examination
0.5% of SI once after every two continuous claim free renewals, excluding the year in which t is benefit is claimed
0.75% of SI once after every two continuous claim free renewals, excluding the year in which this benefit is claimed
1.0% of SI once after every two continuous claim free renewals, excluding the year in which this benefit is claimed
Emergency Ambulance
RS1000 per insured per policy year
RS2000 per insured per policy year
RS3000 per insured per policy year
Home Hospitalisation
-
15% SI max RS70,000
Up to 25% SI max RS1 lakh
Maternity Expenses waiting period 5 years
-
RS15,000 Normal / RS25,000 Caesarean
RS25,000 Normal / RS40,000 Caesarean
Ayurvedic Therapy Treatments.
-
-
Up to 7.5% of SI - Specific treatments only and 20% co-payment
OPD Dental waiting period 3 years
-
-
1% of SI max RS5000 with 30 % co-payment
External aids (Specs , Contact Lens, Hearing aids) waiting period 3 years
-
-
1% of SI max RS5000 once in a block of 2 years with 30% co-payment by insured
Sub-limits Against Diseases
  • Cataract - 7.5% of SI, max RS20,000 per eye
  • Hernia or Hydrocele -10% of SI, max RS30,000
  • Fistula in Anus, Anal Fissure, Piles - 10% of SI, max RS30,000
  • Sinusitis -10% of SI, max RS30,000
  • Tonsilitis or Adenoids -15% of SI, max RS40,000
Cataract - 7.5% of SI, max RS20,000 per eye
No Sub-limits
Room, Boarding Nursing Expenses
AC Single Room upto Rs.3000 per day
SL 4 Lakhs AC Single Room upto Rs.3000 per day

SI 6/8/10 Lakhs Max 1% of the Sum Insured
SI 6/8/10/12/15 Lakhs Max 1% of the Sum Insured
Reduction in Claim Free Bonus in the event of claim(s) during the policy period
5%
5%
5%
Chola MS Wellness Service*
Option 1 for RS350 including ST per person or 
Option 2 for RS500 including ST per person

*Chola MS Wellness Service is an innovative messaging service that keeps a constant check on your health by sending SMS reminders at no additional cost for one member (option 1above) for the policy period. For additional members charges shall apply.

Coverage - Cholamandalam Chola MS Family Healthline Insurance Plan

Our Health Insurance policy guarantees maximum benefits with a host of value-added features.

  • Hospitalization expenses
    • Room and boarding
    • Doctors fees
    • Intensive Care Unit
    • Nursing expenses
    • Surgical fees, operating theatre, anesthesia and oxygen and their administration
    • Physical therapy expenses
    • Drugs and medicines consumed on the premises
    • Hospital miscellaneous services (such as laboratory, x-ray, diagnostic tests)
    • Cost of dressing, ordinary splints and plaster casts
    • Costs of prosthetic devices if implanted during a surgical procedure
    • Organ transplantation including the treatment costs of the donor but excluding the costs of the organ
  • Pre-hospitalization expenses up to 60 days
  • Post-hospitalization expenses up to 90 days
  • Emergency ambulance expenses
  • 141 day care procedures not requiring hospitalization

Exclusions - Cholamandalam Chola MS Family Healthline Insurance Plan

When you buy a medical insurance policy, it is important that you know all the product details to avoid discrepancies later. To make things clear, here's a list of exclusions under the Chola MS Individual Healthline policy.

  • Benefits will not be available for pre-existing conditions until 48 months of continuous coverage from first policy start date.
  • Expenses during the first 30 days of commencement of policy except in the case of accidents.This is not applicable for renewed policies.
  • Any illness diagnosed or diagnosable within 30 days of the effective date of the policy period if this is the first Health policy taken by the proposer with the Insurer. If the Insured renews an Individual Health or family floater policy with the Insurer (Insurer's own renewal OR renewal of other General Insurance Company's policy without any break) and increases the Limit of Indemnity (other than as a result of the application of General Condition D7), then this exclusion shall apply in relation to the amount by which the Limit of Indemnity has been increased. This exclusion is not applicable in case of accidental hospitalisation.

Following diseases are excluded during the first and second year of inception of policy with the Insurer.

Illnesses excluded for One year
Illnesses excluded for Two years
Cataract, Benign Prostatic Hypertrophy, Hysterectomy for Menorrhagia or Fibromyoma, Hernia, Hydrocele, Fistula, Piles, Sinusitis & related disorders, Gallstones. Spondylitis, Spondylosis, 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 genitourinary 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 MS Family Healthline Insurance Plan

CHOLA MS FAMILY HEALTHLINE INSURANCE PREMIUM RATES WITH OUT 10% COPAYMENT IN RS

SUPERIOR
2 ADULTS
SI in RS / Age Bands
400,000
600,000
800,000
1,000,000
18-35 11044 14775 20534 24665
36-45 15296 20465 28972 34957
46-50 24284 33076 47940 57809
51-55 30021 38247 58791 70751
56-60 42055 53708 79024 94787
61-65 52620 67633 99402 120492
66-70 76046 98508 146050 177542
2 ADULTS + 1 KID
SI in RS / Age Bands
400,000
600,000
800,000
1,000,000
18-35 13695 17793 24513 28766
36-45 17889 23985 33836 39884
46-50 29152 39850 50001 59161
51-55 35268 45060 61996 73780
56-60 47090 60241 85864 101873
61-65 60628 78084 107130 127401
66-70 85844 111318 154840 184677
2 ADULTS + 2 KIDS
SI in RS / Age Bands
400,000
600,000
800,000
1,000,000
18-35 14829 19246 27912 32425
36-45 20474 26895 36658 42709
46-50 32184 41080 53872 65359
51-55 44834 57665 71858 84334
56-60 60058 77329 96298 113088
61-65 76503 99002 123594 145463
66-70 116470 151674 189931 224143
2 ADULTS + 3 KIDS
SI in RS / Age Bands
400,000
600,000
800,000
1,000,000
18-35 18925 22983 31311 37696
36-45 27983 31552 43072 52054
46-50 42682 54913 68389 80281
51-55 54980 71035 88695 104302
56-60 75777 98043 122383 144024
61-65 93865 121880 152406 179634
66-70 134700 175696 220183 260021
1 ADULT + 1 KID
SI in RS / Age Bands
400,000
600,000
800,000
1,000,000
18-35 10890 13682 17323 20588
36-45 14289 18746 24046 28762
46-50 21687 27247 33548 38959
51-55 27441 34746 42995 50103
56-60 38444 48849 60431 70550
61-65 49219 63049 78318 91766
66-70 72718 94022 117328 138036

1 ADULT + 2 KIDS
SI in RS / Age Bands
400,000
600,000
800,000
1,000,000
18-35 12888 16132 21847 27278
36-45 17355 22006 31783 39797
46-50 24603 31935 43710 52274
51-55 31608 40763 53879 64423
56-60 43317 55839 73718 87372
61-65 53981 70403 92107 109461
66-70 78078 102670 133543 158845
1 ADULT + 3 KIDS
SI in RS / Age Bands
400,000
600,000
800,000
1,000,000
18-35 14073 18831 24775 30255
36-45 19281 24160 29657 34407
46-50 31601 40311 50001 58472
51-55 39036 50026 62237 72924
56-60 52592 67491 83908 98393
61-65 65341 84294 105072 123496
66-70 94594 122848 153630 181089
ADVANCED
2 ADULTS
SI in RS / Age Bands
600,000
800,000
1,000,000
1,200,000
1,500,000
18-35 19646 22607 25318 30182 37276
36-45 24074 29473 37689 42240 55117
46-50 37694 48837 59617 74132 90491
51-55 48731 63483 76260 93232 112118
56-60 65980 86485 106182 127698 151271
61-65 82674 107880 137887 160427 190577
66-70 117098 155007 195843 228730 272678
2 ADULTS + 1 KID
SI in RS / Age Bands
600,000
800,000
1,000,000
1,200,000
1,500,000
18-35 20337 25913 30040 35177 41765
36-45 26512 34562 40554 50976 59439
46-50 40691 60368 71442 84383 99491
51-55 49422 72833 86507 102503 121148
56-60 66671 96958 115574 137336 162728
61-65 84019 118861 142239 169589 201461
66-70 121632 167798 201916 241872 288352
2 ADULTS + 2 KIDS
SI in RS / Age Bands
600,000
800,000
1,000,000
1,200,000
1,500,000
18-35 21582 30619 38102 43068 50053
36-45 28258 41159 48812 58016 67910
46-50 45686 63078 74082 86773 102367
51-55 58972 77403 92070 107123 126707
56-60 79617 103480 122341 144046 170803
61-65 100361 128328 153223 180883 215051
66-70 160067 198050 232412 266775 318319
2 ADULTS + 3 KIDS
SI in RS / Age Bands
600,000
800,000
1,000,000
1,200,000
1,500,000
18-35 28641 36893 43373 50242 58685
36-45 37571 48929 58028 67570 79407
46-50 61440 74692 86708 98723 116747
51-55 78071 95442 111182 126922 150533
56-60 105509 129565 151344 173124 205794
61-65 129776 160022 187394 214766 255824
66-70 184089 228301 268290 308280 368263
1 ADULT + 1 KID
SI in RS / Age Bands
600,000
800,000
1,000,000
1,200,000
1,500,000
18-35 18655 22671 26443 29223 33391
36-45 23267 29944 35424 39512 45643
46-50 33428 44012 54683 61677 72168
51-55 40350 55936 68394 77424 90969
56-60 53013 72748 91308 103673 122220
61-65 65062 90255 113926 129777 153553
66-70 102415 131496 163706 187294 222676
1 ADULT + 2 KIDS
SI in RS / Age Bands
600,000
800,000
1,000,000
1,200,000
1,500,000
18-35 21790 27429 32955 40701 47204
36-45 28025 37641 45770 57011 66700
46-50 38462 50012 58701 76549 90063
51-55 47799 60626 71303 96398 113802
56-60 63305 80900 94692 127271 150616
61-65 78299 99722 117221 159989 189908
66-70 111063 141661 167114 232326 276865
1 ADULT + 3 KIDS
SI in RS / Age Bands
600,000
800,000
1,000,000
1,200,000
1,500,000
18-35 24759 30514 35870 40127 46513
36-45 32555 40317 47900 53943 63009
46-50 42213 58989 68084 77179 90822
51-55 53242 73013 87577 99616 117673
56-60 71979 99322 119538 136330 161517
61-65 96030 121846 149806 171283 203499
66-70 137006 172185 213038 244363 291349

All Premium Includes Service tax at 18%.

A discount of 10% on above premium will be available if you agree for 10% copayment on all claims under this policy. Please contact our advisor for futher details on copayment.

Premium will be based on Age of Seniormost covered member in the family.

The company from time to time subject to IRDA approval, will revise the premium rates /terms and conditions based on experience.

The premium rates, terms and conditions at the time of renewal shall apply.

Please check with nearest Chola MS Office for renewal premium above 70 yrs of age.

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