Cholamandalam Chola Topup Healthline Insurance Plan
Cholamandalam Chola Topup Healthline Insurance Plan - Chola Topup Healthline is a Top up plan that provides coverage for higher medical expenses for families on a floating Sum Insured or Individual Sum Insured basis. This policy will pay you upto the Sum insured in excess of deductible in respect of medically necessary costs.
Deductible is a cost sharing requirement under this Policy that provides that the Company will not be liable for medical expenses upto a specified rupee amount of the covered expenses, which will apply before any benefits are payable by the Insurer.
Illustration: Mr. Shah has a primary Health Insurance RS 3 lakhs and a Top-up Healthline policy for RS 5 lakhs with deductible of RS 3 lakhs. In the event of a serious hospitalisation with a claim of RS 8 lakhs, RS 3 lakhs will be paid by his primary insurance and RS 5 lakhs will be paid by his Top up Healthline.
- 7 plans with a variety of Sum Insured / Deductible combinations to suit your primary cover
- 1/2/3 year tenure options - saves the hassle of renewing every year
- Individual and floater options
- First time purchase allowed up to 65 yrs of age
- No medical check-up till 55 yrs of age
- Renewal of policy allowed till lifetime
- Cashless hospitalisation at over 6100+ Hospitals
- Direct claims settlement through Chola MS HELP - no third party administrator involved
- 30 days grace period for renewal
| Relationships covered | Entry age limits | Remarks |
|---|---|---|
| Self / Spouse | 18 - 65 yrs | No medical check-up required up to 55 yrs |
| Dependent child | 3 months to 35 yrs* | No medical check-up required |
UIN no.IRDA/NL-HLT/CHSGI/P-H/V.I/152/13-14
* 35 Yrs for dependent female child and 25 Yrs for dependant male child
Benefits - Cholamandalam Chola Topup Healthline Insurance Plan
| 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 | ||||||
Hospitalisation includes doctors' fee, nursing, room charges (subject to per day limits as mentioned in the policy schedule), ICU charges, diagnostics, medicines, anaesthesia, blood, oxygen, operation theatre charges, surgical appliances, prosthetic and other devices implanted internally during a surgical procedure, hospitalisation expenses of organ donor.
The total amount payable under this policy per year for all sub sections as above put together shall not exceed the sum insured for the insured persons (floater sum insured in the case of family coverage) as shown in the policy schedule.
Coverage - Cholamandalam Chola Topup Healthline Insurance Plan
Main Exclusions
- Any Pre-Existing Condition / Disease as defined in the policy until 48 months of continuous coverage have elapsed, since inception of the first policy with Us.
- Any illness contracted by you during the first 30 days from the commencement date of the policy.
- Expense incurred during the first year of operation of the Insurance on treatment of diseases such as Cataract, Hernia / Hydrocele, Benign Prostate Hypertrophy, Hysterectomy (non-malignant), Fistula in Anus, Anal Fissure, Piles, Sinusitis, Gall Bladder Stones, Gastric or Duodenal ulcer, Tonsilitis or Adenoids, Breast lumps, Cysts, nodules or polyps, Congenital internal diseases / conditions.
- Expense incurred in the first two Years of continuous operation of Insurance cover on Hospitalisation treatment for Hysterectomy for Menorrhagia or Fibromyoma, knee replacement surgery (other than caused by an accident) Joint Replacement Surgery (other than caused by an accident), Arthritis, Spondylosis / Spondylitis, Renal Failure, Hypertension, Diabetes, Prolapse of intervertebral disc (other than caused by accident), Varicose veins and Varicose ulcers.
Premium Table - Cholamandalam Chola Topup Healthline Insurance Plan
| Premium in Rs ( Includes Service Tax @18%) | |||||
|---|---|---|---|---|---|
| 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 | 2596 | 4000 | 4907 |
| 2 Members | 2927 | 4681 | 5814 | ||
| 3 Members | 3257 | 5362 | 6721 | ||
| 4 Members | 3520 | 5907 | 7448 | ||
| 5 Members | 3745 | 6369 | 8066 | ||
| Plan B | 2 lakhs / 1 lakh | 1 Member | 2771 | 4317 | 5248 |
| 2 Members | 3146 | 5079 | 6240 | ||
| 3 Members | 3520 | 5840 | 7234 | ||
| 4 Members | 3820 | 6447 | 8028 | ||
| 5 Members | 4074 | 6966 | 8703 | ||
| Plan C | 3Lacs / 2Lacs | 1 Member | 3142 | 4975 | 6028 |
| 2 Members | 3608 | 5900 | 7217 | ||
| 3 Members | 4076 | 6824 | 8405 | ||
| 4 Members | 4449 | 7564 | 9355 | ||
| 5 Members | 4766 | 8193 | 10164 | ||
| Plan D | 5 lakhs / 3 lakhs | 1 Member | 3724 | 5972 | 7191 |
| 2 Members | 4335 | 7147 | 8669 | ||
| 3 Members | 4947 | 8321 | 10149 | ||
| 4 Members | 5438 | 9260 | 11332 | ||
| 5 Members | 5854 | 10057 | 12338 | ||
| Plan E | 6 lakhs / 4 lakhs | 1 Member | 3729 | 5865 | 6972 |
| 2 Members | 4342 | 7014 | 8395 | ||
| 3 Members | 4955 | 8162 | 9820 | ||
| 4 Members | 5445 | 9080 | 10960 | ||
| 5 Members | 5862 | 9860 | 11927 | ||
| Plan F | 10 lakhs / 5 lakhs | 1 Member | 4203 | 6532 | 7639 |
| 2 Members | 4935 | 7846 | 9230 | ||
| 3 Members | 5667 | 9161 | 10822 | ||
| 4 Members | 6252 | 10212 | 12094 | ||
| 5 Members | 6750 | 11105 | 13176 | ||
| Plan G | 15 lakhs / 5 lakhs | 1 Member | 4749 | 7378 | 8573 |
| 2 Members | 5617 | 8904 | 10397 | ||
| 3 Members | 6485 | 10428 | 12221 | ||
| 4 Members | 7180 | 11649 | 13681 | ||
| 5 Members | 7771 | 12687 | 14922 | ||
| 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 | 4987 | 7678 | 9415 |
| 2 Members | 5621 | 8983 | 11156 | ||
| 3 Members | 6253 | 10289 | 12895 | ||
| 4 Members | 6759 | 11333 | 14288 | ||
| 5 Members | 7190 | 12221 | 15469 | ||
| Plan B | 2 lakhs / 1 lakh | 1 Member | 5324 | 8288 | 10069 |
| 2 Members | 6042 | 9746 | 11972 | ||
| 3 Members | 6758 | 11205 | 13874 | ||
| 4 Members | 7332 | 12370 | 15398 | ||
| 5 Members | 7820 | 13362 | 16691 | ||
| Plan C | 3Lacs / 2Lacs | 1 Member | 6034 | 9546 | 11567 |
| 2 Members | 6929 | 11320 | 13844 | ||
| 3 Members | 7823 | 13092 | 16122 | ||
| 4 Members | 8538 | 14510 | 17943 | ||
| 5 Members | 9147 | 15715 | 19493 | ||
| Plan D | 5 lakhs / 3 lakhs | 1 Member | 7150 | 11458 | 13794 |
| 2 Members | 8323 | 13708 | 16630 | ||
| 3 Members | 9496 | 15959 | 19464 | ||
| 4 Members | 10434 | 17758 | 21731 | ||
| 5 Members | 11231 | 19288 | 23659 | ||
| Plan E | 6 lakhs / 4 lakhs | 1 Member | 7158 | 11256 | 13375 |
| 2 Members | 8333 | 13455 | 16105 | ||
| 3 Members | 9508 | 15655 | 18834 | ||
| 4 Members | 10448 | 17414 | 21019 | ||
| 5 Members | 11249 | 18911 | 22873 | ||
| Plan F | 10 lakhs / 5 lakhs | 1 Member | 8068 | 12532 | 14654 |
| 2 Members | 9470 | 15051 | 17703 | ||
| 3 Members | 10873 | 17569 | 20753 | ||
| 4 Members | 11994 | 19584 | 23191 | ||
| 5 Members | 12948 | 21297 | 25265 | ||
| Plan G | 15 lakhs / 5 lakhs | 1 Member | 9115 | 14152 | 16443 |
| 2 Members | 10778 | 17077 | 19940 | ||
| 3 Members | 12443 | 20001 | 23437 | ||
| 4 Members | 13774 | 22340 | 26234 | ||
| 5 Members | 14905 | 24328 | 28612 | ||
| 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 | 6968 | 10698 | 13107 |
| 2 Members | 8050 | 12833 | 15922 | ||
| 3 Members | 8951 | 14690 | 18396 | ||
| 4 Members | 9670 | 16175 | 20376 | ||
| 5 Members | 10281 | 17439 | 22059 | ||
| Plan B | 2 lakhs / 1 lakh | 1 Member | 7629 | 11844 | 14377 |
| 2 Members | 8649 | 13918 | 17082 | ||
| 3 Members | 9669 | 15991 | 19790 | ||
| 4 Members | 10484 | 17650 | 21955 | ||
| 5 Members | 11178 | 19059 | 23796 | ||
| Plan C | 3Lacs / 2Lacs | 1 Member | 8639 | 13634 | 16507 |
| 2 Members | 9911 | 16155 | 19746 | ||
| 3 Members | 11182 | 18676 | 22986 | ||
| 4 Members | 12201 | 20692 | 25576 | ||
| 5 Members | 13067 | 22407 | 27779 | ||
| Plan D | 5 lakhs / 3 lakhs | 1 Member | 10225 | 16353 | 19676 |
| 2 Members | 11893 | 19553 | 23707 | ||
| 3 Members | 13560 | 22752 | 27738 | ||
| 4 Members | 14896 | 25313 | 30963 | ||
| 5 Members | 16030 | 27489 | 33706 | ||
| Plan E | 6 lakhs / 4 lakhs | 1 Member | 10237 | 16065 | 19079 |
| 2 Members | 11908 | 19192 | 22960 | ||
| 3 Members | 13581 | 22322 | 26843 | ||
| 4 Members | 14918 | 24825 | 29948 | ||
| 5 Members | 16054 | 26951 | 32588 | ||
| Plan F | 10 lakhs / 5 lakhs | 1 Member | 11530 | 17880 | 20898 |
| 2 Members | 13525 | 21462 | 25234 | ||
| 3 Members | 15520 | 25044 | 29572 | ||
| 4 Members | 17116 | 27911 | 33041 | ||
| 5 Members | 18472 | 30346 | 35990 | ||
| Plan G | 15 lakhs / 5 lakhs | 1 Member | 13019 | 20185 | 23444 |
| 2 Members | 15386 | 24344 | 28417 | ||
| 3 Members | 17754 | 28503 | 33389 | ||
| 4 Members | 19647 | 31829 | 37368 | ||
| 5 Members | 21257 | 34658 | 40750 | ||
- All premiums include service tax at 18%
- Premium based on age of Senior most member of family.
- For more details on risk factors, terms and conditions, please read sales brochure and policy wordings carefully before concluding the sale.
- The company from time to time and subject to IRDA approval, will revise the premium rates / terms and conditions based on experience. The premium rates at the time of renewal shall apply.
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