Cholamandalam Ms Health Insurance

Chola MS Standard Critical Healthline

• This is a special plan which offers coverage in case of critical illness in the range of INR 3,00,000 and INR 10,00,000 for individuals between age 5 years and 65 years.
• The plan offers lump sum amount after diagnosis of insured person with any of the 10 listed critical illnesses.

Chola Hospital Cash Healthline

• This is a special plan which offers daily cash during hospitalisation for maximum of 20 days, double of daily cash in case of admission in ICU and lump sum amount after 20 days of hospitalisation per policy year.
• Individuals between age 18 years and 65 years and dependent children between age 3 months and 36 years can be covered in this policy.
• This plan offers 5% increase in daily cash up to a maximum of 50 % after claim free year.
• The plan has three variables plan A, plan B and plan C which offers different daily cash allowance.

Value Healthline

• This is a basic health plan which offers coverage of INR 2,00,000 for individuals up to age 65 years.
• Pre and post hospitalisation expense cover, coverage for day care procedures, coverage for domiciliary treatments, etc. are benefits provided in this plan.
• No claim bonus equal to 5 % of sum insured up to a maximum of up to 25 % is provided after every claim free year.
• There are two variables (freedom healthline and enrich healthline)of this plan.

Note: Co-payment/ co-pay (percentage of sum insured to be paid by individual out of pocket before any claim) of 10% is applicable for individuals above age 55 years.

Sub-limits (limits on room-rent coverage, ICU charges, etc.) are applicable in this plan.

Freedom Healthline

• This is a health plan which offers coverage in the range of INR 3,00,000 and INR 7,50,000 for individuals up to age 65 years.
• Pre and post hospitalisation expense cover, coverage for day care procedures, etc. are benefits provided in this plan. Compared to basic plan this plan offers pre-hospitalisation cover for a longer period.
• No claim bonus equal to 5 % of sum insured up to a maximum of up to 50 % is provided after every claim free year.

Enrich Healthline

• This is a health plan which offers coverage in the range of INR 3,00,000 and INR 10,00,000 for individuals between age 18 years and age 65 years.
• Basic coverage like pre and posts hospitalisation expense cover, coverage for day care procedures, etc. is provided in this plan. However, compared to other variables this plan offers additional benefits like child hospitalisation allowance and extended hospitalisation allowances (payment of lump sum amount in case of more than 10 days of hospitalisation).
• No claim bonus equal to 50 % of sum insured up to a maximum of up to 100 % is provided after every claim free year.
• This policy offers additional coverage in case of diagnosis of critical illness or accident (the sum insured is doubled in both the cases).

Standard Individual Healthline

• This is a health plan which offers coverage in the range of INR 3,00,000 and INR 5,00,000 for individuals between age 18 years and age 65 years.
• Basic coverage like pre and post hospitalization expenses, daily cash for shared accommodation, etc. are the benefits provided in this plan.

Note: Sub-limits are applicable in this plan.

Superior Healthline

• This is a health plan which offers coverage in the range of INR 3,50,000 and INR 5,50,000 for individuals between age 18 years and age 65 years.
• Coverage for pre and post hospitalization expenses, daily cash for shared accommodation, etc. are the benefits provided in this plan.
• In addition to this basic cover this plan also provides coverage for domiciliary hospitalization, maternity expenses, etc.

Note: Sub-limits are applicable in this plan.

Advanced Healthline

• This is a health plan which offers coverage in the range of INR 3,50,000 and INR 5,50,000 for individuals between age 18 years and age 65 years.
• Coverage for pre and post hospitalization expenses, daily cash for shared accommodation, coverage for domiciliary hospitalization, maternity expenses, etc. are the benefits provided in this plan.
• In addition to this basic cover this plan also provides coverage for OPD expenses, ayurvedic treatments, etc.
• Note: Sub-limits are applicable in this plan.

Chola Tax Plus Healthline

• This is a special health plan which offers coverage for individuals between age 18 years and 65 years.
• The coverage is offered in two sections:
  • Section I – Provides coverage for hospitalization expenses in the range of INR 1,00,000 and INR 5,00,000.

- Pre and post hospitalisation expenses, day care procedures, etc. are basic benefits provided in this section.

• Section II – Provides coverage for out-patient medical expenses (OPD).

- The coverage offered under this section is dependent on the section I cover and age of insured member.

• No claim will enhance sum insured under section I by 5 % up to a maximum of 50 %.

Note: This plan offers option to opt for higher Sum insured and OPD expense cover.

Chola Top-up Healthline

• This is a top-up plan (these plans have an agreed upon deductible amount to be paid at the time of claim) for individuals between age 18 years and 65 years.
• Coverage offered is in the range of INR 50,000 and INR 15,00,000 with deductible in range of INR 30,000 and INR 5,00,000.
• There are seven variables of this plan which offers different sum insured and deductible values.
• Basic covers like pre and post hospitalization expenses, Ambulance charges, etc. are provided in this plan.

Note: Sub-limits are applicable in this plan

Chola MS Advance Critical Healthline

• This plan is a variable of Standard Critical Care Healthline which offers coverage in case of critical illness in the range of INR 3,00,000 and INR 10,00,000 for individuals between age 5 years and 65 years.
• The plan offers lump sum amount after diagnosis of insured person with any of the 12 listed critical illnesses and also covers ambulance charges in such cases.

Chola Accident Protection Plan

• This is a special plan which provides accidental cover in the range of INR 5,00,000 and INR 1,00,00,000 for individuals between age 18 years and 69 years.
• Accidental death, permanent total disability, permanent partial disability, etc. can be covered under this policy.

Note: The coverage offered is based on the annual income of proposer.

Chola Swasth Pariwar- Pearl plan

• This is basic family floater plan which covers health cost of the entire family in the range of INR 3,00,000 and INR 5,00,000.
• Proposer and spouse between age 18 years and 65 years and a maximum of 2 dependent children in the age of 3 months and 26 yearscan be covered in this policy.
• Pre and post hospitalisation expense cover, coverage for day care procedures, etc. are benefits provided in this plan.
• There are three variables of this plan which offers different sum insured or coverage.

Note: This plan has co-pay of 15% (percentage of claim amount to be paid by the proposer) and additional 10 % co-pay for treatments in non networked hospital (except cases of accident).

Chola Swasth Pariwar- Royal plan

• This is family floater plan which covers health cost of the entire family in the range of INR 3,00,000 and INR 5,00,000.
• Proposer and spouse between age 18 years and 65 years and a maximum of 2 dependent children in the age of 3 months and 26 years can be covered in this policy.
• Pre and post hospitalisation expense cover, coverage for day care procedures, etc. are benefits provided in this plan.
• The plan offers coverage under two sections
  • Section I – Covers basic hospitalization expenses.
  • Section II – Provides accidental coverage.
• There are three variables of this plan which offers different sum insured or coverage.

Note: This plan has 15% co-pay which is applicable for any claim and additional 10 % co-pay for treatments in non networked hospital(except cases of accident).

Value Healthline

• This is a family floater plan which offers coverage of INR 2,00,000 to the entire family.
• Proposer, Proposer's spouse up to age 65 years and 4 dependent children between age 3 months and 26 years can be covered under the policy.
• Pre and post hospitalisation expense cover, coverage for day care procedures, no claim bonus, etc. are benefits provided in this plan.

Note: Co-pay of 10% is applicable for individuals above age 55 years.

Sub-limits are applicable in this plan.

Freedom Healthline

• This is a family floater plan which offers coverage to the entire family in the range of INR 3,00,000 and INR 7,50,000.
• Proposer, Proposer's spouse up to age 65 years and 4 dependent children between age 3 months and 26 years can be covered under this policy.
• Pre and post hospitalisation expense cover, coverage for day care procedures, no claim bonus, etc. are benefits provided in this plan. Compared to basic plan this plan offers pre-hospitalisation cover for a longer period.
• No claim bonus equal to 5 % of sum insured up to a maximum of 50 % is provided after every claim free year.
• Additionally, this plan does not have any sub-limits or co-payment option.

Enrich Healthline

• This is a family floater plan which offers coverage to the entire family in the range of INR 3,00,000 and INR 10,00,000.
• Proposer, Proposer's spouse between age 18 year and age 65 years and 4 dependent children between age 3 months and 26 years can be covered under the policy.
• Pre and post hospitalisation expense cover, coverage for day care procedures, no claim bonus, etc. are benefits provided in this plan.
• Compared to other variables this plan offers additional benefits like child hospitalisation allowance and extended hospitalisation allowances (payment of lump sum amount in case of more than 10 days of hospitalisation) are provided in this plan.
• No claim bonus equal to 50 % of sum insured up to a maximum of 100 % is provided after every claim free year.
• This policy offers additional coverage in case of diagnosis of critical illness or accident (the sum insured is doubled in both the cases).

Chola Tax Plus Healthline

• This is a family floater plan which offers coverage to the entire family.
• Proposer and proposer's spouse between age 18 years and 65 years and a maximum of 3 dependent children between age 2 months and 26 years can be covered under this policy.
• The coverage is offered in two sections:
  • Section I – Provides coverage for hospitalization expenses in the range of INR 1,00,000 and INR 5,00,000.

- Pre and post hospitalisation expenses, day care procedures, etc. are basic benefits provided in this section.

• Section II – Provides coverage for out-patient medical expenses (OPD).

- The coverage offered under this section is dependent on the section I cover and age of insured member.

• No claim will enhance sum insured under section I by 5 % up to a maximum of 50 %.

Note: This plan offers option to opt for higher Sum insured and OPD expense cover.

No claim bonus is not applicable for Section II.

Standard Family Health line

• This is a family floater plan which offers comprehensive health coverage in the range of INR 2,00,000 and INR 5,00,000 to entire family.
• Proposer and spouse between age 18 years and 65 years and dependent children between age 3 months and 26 years can be covered under this policy.
• Pre and post hospitalisation expense cover, no claim bonus, daily cash benefit, wellness alerts (message alerts reminding of health check up, medication, etc.), etc. are benefits provided in this plan.

Note: Sub-limits are applicable in this plan.

Superior Family Healthline

• • This is a family floater plan which offers comprehensive health coverage in the range of INR 4,00,000 and INR 10,00,000 to the entire family.
  • Proposer and spouse between age 18 years and 65 years and dependent children between age 3 months and 26 years can be covered under this policy.
  • Pre and post hospitalisation expense cover, no claim bonus, wellness alerts (message alerts reminding of health check up, medication, etc.), etc. are benefits provided in this plan.
  • Apart from this basic cover this plan also provides daily cash expense, cash allowance for minor child, domiciliary hospitalisation expense, maternity coverage, etc.
• Note: Sub-limits are applicable in this plan.

Advanced Family Healthline

• This is a family floater plan which offers comprehensive health coverage in the range of INR 4,00,000 and INR 10,00,000 to the entire family.
• Proposer and spouse between age 18 years and 65 years and dependent children between age 3 months and 26 years can be covered under this policy.
• Pre and post hospitalisation expense cover, no claim bonus, wellness alerts, daily cash expense, cash allowance for minor child, etc. are benefits provided in this plan.
• In addition to the superior family healthline, this plan covers dental treatment is also covered in this plan.

Chola Top-up Healthline

• This is a family floater top-up plan which offers coverage to the entire family in the range of INR 50,000 and INR 15,00,000 with the deductible in the range of INR 30,000 and INR 5,00,000.
• Adults between age 18 years and 65 years and dependent children between age 3 months and 26 years are covered in this plan.
• There are seven variables of this plan which offers different sum insured and deductible.
• Basic covers like pre and post hospitalization expenses, ambulance charges, etc. are provided in this plan.

Note: Sub-limits are applicable in this plan.

Chola Accident Protection Plan

• This is a special family floater plan which provides coverage in case of accidents for the entire family in the range of INR 5,00,000 and INR 1,00,00,000.
• Adults between age 18 years and 69 years and dependent children up to 25 years of age can be covered under this policy.
• Accidental death, permanent total disability, permanent partial disability, etc. can be covered under this policy.

Note: The coverage offered is based on the annual income of the proposer.