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Cholamandalam Individual Healthline Insurance Plan

Cholamandalam Individual Healthline Insurance Plan - Individual Healthline insurance from Chola MS is a comprehensive Health Insurance product that not only offers coverage for Hospitalization expenses but also for other incidental expenses associated with Hospitalization. This Policy also provides coverage for Maternity related expenses, External aids such as Specs, Contact lens, Hearing Aids.

The Policy also covers General Health / Eye check up once in every two continuous claim free years.

Reasons to choose Chola MS

An ideal Individual health plan 

  • - This medical insurance plan is designed to meet the health insurance needs of your loved ones with the benefit of a specific sum insured for each person

Easy to buy and renew online 

  • - No documents medical check-up required for online purchase; 100% secure online transaction with a simple 4-step procedure. Online renewal process up to 90 days prior to policy end date.

Life time Coverage 

  • : Enjoy the benefit of lifeltime 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 Individual Healthline Insurance

  • First time purchase till 65 years with lifetime renewal
  • Easy purchase up to 55 years (without medicals check-ups or documentation)
  • Sum insured upto RS10 Lakhs per person
  • Cashless hospitalization at over 6100+ hospitals
  • 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 / Parents /  Parents-in-law 18 - 65 yrs. Standard /  Superior /  Advanced No medical  checkup  required  up to 55 yrs.  of age
Dependent child 3 months to  35 yrs.* Standard /  Superior /  Advanced No medical  checkup  required

UIN no.IRDA/NL-HLT/CHSGI/P-H/V.I/152/13-14

Benefits - Cholamandalam Individual Healthline Insurance Plan

Individual 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 Superior Advanced
Hospitalization correct correct correct
Pre Hospitalization (60 days) correct correct correct
Post Hospitalization (90 days) correct correct correct
Emergency Ambulance correct correct correct
Daily Cash for choosing  shared accommodation correct correct correct
General Health Check up &  Eye Examination correct correct correct
Minor Accompaniment  Daily Cash not-correct correct correct
Home Hospitalization not-correct correct correct
Maternity Expenses not-correct correct correct
Ayurvedic Treatments not-correct not-correct correct
OPD Dental not-correct not-correct correct
External aids (Specs,  Contact lens, Hearing aids) not-correct not-correct correct

Coverage - Cholamandalam Individual Healthline Insurance Plan

Our Health Insurance policy guarantees maximum benefits and hassle-free transactions.

  • 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
Benefits
Standard  Individual  Healthline
Superior  Individual  Healthline
Advanced  Individual  Healthline
Sum Insured (SI)  options in  RSLakhs
1 / 2 / 3 / 4 / 5
3.5 / 4.5 / 5.5
4.5 / 5.5 / 7.5 / 10
Claim free bonus  up to 50% of SI
5% of SI every claim free year
Daily Cash for  choosing shared  accommodation
RS250 / day for  a maximum of  7 days with  1 day deductible
RS500 / day for  a maximum of  7 days with  1 day deductible
RS500 / day for  a maximum of  14 days with  1 day deductible
Minor  Accompaniment  Daily Cash
-
RS250 / day for  a maximum of  7 days with  1 day deductible
RS250 / day for  a maximum of  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  this 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 Hospitalization
-
15% of SI  (Maximum of  RS70,000)
Up to 25% of SI  (Maximum of  RS1 lakh)
Maternity Expenses  (waiting period of  5 years)
-
RS15,000 for  normal &  RS25,000 for  caesarean
RS25,000 for  normal &  RS40,000 for  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 -  Maximum of  RS5000 with  30% co-payment
External aids -  Spectacles,  Contact lens,  Hearing aids  (waiting period  3 years)
-
-
1% of SI -  Maximum of  RS5000 once  in a block of  2 years with  30% co-payment  by insured
Sub limits against  diseases
  • Cataract - 7.5%  of SI (Maximum  of RS20,000  per eye)
  • Hernia or  Hydrocele - 10%  of SI (Maximum  of RS30,000)
  • Fistula in Anus,  Anal Fissure,  Piles - 10% of  SI (Maximum of  RS30,000)
  • Sinusitis - 10%  of SI (maximum  of RS30,000)
  • Tonsilitis or  Adenoids - 15%  of SI (Maximum  of RS40,000)
Cataract - 7.5%  of SI (Maximum  of RS20,000  per eye)
No sub limits
Room, Boarding &  Nursing Expenses
RS1 Lakh -  Non AC room  up to RS1000  per day
AC single room  up to RS3000  per day
SI RS4.5 /  5.5 Lakhs -  AC single room  up to RS3000  per day
SI 2, 3, 4 &  5 Lakhs -  AC single room  up to RS3000  per day
SI - 7.5 &  10 Lakhs  (Maximum 1% of  the SI)
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 per including Service Tax per person or; Option 2 for RS500 per including Service Tax 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.

Exclusion - Cholamandalam Individual Healthline Insurance Plan

When you buy a medical insurance policy, it is important that you know all the product details to avoid discrepancies later.

  • 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. 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 Prostratic Hypertropy, Hysterectomy for Menorrhagia or Fibromyoma, Hernia, Hydrocele, Fistula, Piles, Sinusitis & related disorders, Gall stones.
Spondilitis, Spondilosis, Knee / Hip joint replacement, Heart diseases, Internal congenital diseases, any type of Carcinoma / Sarcoma / Blood Cancer, 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 Individual Healthline Insurance Plan

Premium per individual in RS(Inclusive of Service Tax @ 18%)

Standard
Age / SI in RS
3,00,000
4,00,000
5,00,000
< 18 2750 3395 3929
18 - 25 4956 6295 7414
26 - 30 5433 6922 8165
31 - 35 5945 7596 8972
36 - 40 6602 8460 10011
41 - 45 7988 10282 12193
46 - 50 10075 13025 15479
51 - 55 12618 16370 19484
56 - 60 17049 21983 26073
61 - 65 21626 28001 33279
CWS (Optional) RS350 per Individual
Superior
Age / SI in RS
3,50,000
4,50,000
5,50,000
< 18 4290 4705 6158
18 - 25 7773 8582 11007
26 - 30 8948 9887 12816
31 - 35 10124 11191 14624
36 - 40 11868 13157 17286
41 - 45 13315 14762 19513
46 - 50 15605 17459 23659
51 - 55 18838 21048 28635
56 - 60 28036 30927 41084
61 - 65 33925 37465 50147
CWS (Optional) RS350 per Individual RS500 per Individual
Advanced
4,50,000
5,50,000
7,50,000
10,00,000
5587 6171 6748 8403
9793 10732 11894 14761
10842 11907 13199 16569
11890 13082 14503 18378
14151 15617 17344 22022
15442 17064 18950 24248
17627 19769 22238 29209
20513 23002 25827 34185
31290 34645 38534 49938
36546 40534 45071 59001
RS500 per Individual
 
  • 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
  • A discount of 10% on above premium will be available if you agree for 10%  co-payment on all claims under this policy. Please contact our advisor for further details on co-payment.
  • 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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