Cholamandalam MS Enrich HealthLine Plan Review

Main Highlight of the plan

This plan is most advanced variant of Healthline Plan which offers daily cash allowance in case of hospitalization of an insured child.
This plan also offers additional cover for listed critical illnesses and accidents.

Scope of cover

Plan

Entry Age

Maximum Number of Members

Sum Insured Range

Individual

Children- 3 months to 26 years

Adults- up to age 65 years

-

INR 3,00,000 to INR 10,00,000

Family Floater

Children- 3 months to 26 years

Adults- up to age 65 years

Maximum of 6 members

INR 3,00,000 to INR 10,00,000

Note: This health insurance policy requires pre-policy health check-up above age 45 years. 100% of this cost would be reimbursed.

Coverage: Benefits & Features

Most Important

ROOM RENT/ ROOM CATEGORY

This plan covers room expenses up to charges of single A/C room.

CO-PAYMENT

This variant of Healthline plan does not have co-payment.

NO-CLAIM BENEFITS

This variant of Healthline plan has no-claim bonus equal to 50% of basic sum insured up to a maximum of 100 % for each unclaimed year. However, the cumulative bonus is reduced by 50% of sum insured once a claim is made.

Note: After any claim, only the cumulative bonus would be reduced at the time of renewal. However, the basic sum insured will not be affected.

Good to have

PRE/POST HOSPITALIZATION

This plan covers 60 days of pre-hospitalization and 90 days of post hospitalization expenses.

RESTORE BENEFITS

This plan offers 100% restore in case of diagnosis of listed critical illness or accident.

This restore gets activated if the claim amount is insufficient or exhausted.

HEALTH CHECK-UP

This plan offers health check-up benefit once every 2 claim free years.

Value Adds

AMBULANCE CHARGES

This plan covers ambulance charges up to INR 2000 per hospitalization.

EYE COVER

This plan does not offer coverage for expenses on eye treatments.

DOMICILIARY HOSPITALIZATION

This plan covers domiciliary hospitalization expenses up to 7 days of hospitalization.

OUTPATIENT BENEFITS

This plan does not cover outpatient benefits.

CRITICAL ILLNESS COVERAGE

This plan offers additional cover up to sum insured in case of diagnosis of listed critical illnesses as mentioned in the restore benefit clause.

Note: This benefit is available only up to age 65 years.

ALTERNATIVE PRACTICE

This plan covers hospitalization expenses for treatments by alternative practices non-allopathic in-patient treatments.

Note: For any non-allopathic treatment to be covered, it should be from a government hospital, hospital or an institute recognized by government or accredited by Quality Council of India/ National Accreditation board on health.

DENTAL COVER

This plan does not cover expenses for dental treatments.

DAILY CASH

This variant of Healthline plan offers daily cash allowance of INR 500 for a maximum of 7 days, for accompanying an insured child.

ORGAN DONOR COVER

This plan covers organ donor expenses on harvesting organ for the donor up to sum insured.

CONVALESCENCE BENEFIT

This plan provides convalescence benefit (lump sum amount) of INR 10,000 after minimum 10 days of hospitalization.

MATERNITY COVER

This plan does not offer coverage for maternity expenses.

Exclusions

A cooling off period of 30 days is applicable on buying a policy for the first year. No claims (other than claims related to an accident) can be made in this cooling off period. There is no cooling off period applicable on renewal of this policy.

Waiting period of 2 years is applicable for specified ailments. Refer to the Cholamandalam MS policy wordings for the list of these specified ailments.

Waiting period of 4 years is applicable for pre-existing diseases.

PERMANENT EXCLUSIONS

Cosmetic surgery, Lasik eye treatments, drugs or alcohol abuse, genetic disorders, self-inflicted injuries, war related injuries, etc are some of the permanent exclusions. For the detailed list of please refer the policy document.