Cholamandalam Swasth Parivar Pearl Plan Review

Main Highlight of the plan

This variant of Chola Swasth Parivar Insurance policy covers basic hospitalization expenses.

Scope of cover

Plan	Entry Age	Maximum Number of Members	Sum Insured Range
Plan 1	Children- 3 months to 26 years Adults – 18 years to 65 years	Adults -2 Children- 2	INR 3,00,000
Plan 2	Children- 3 months to 26 years Adults – 18 years to 65 years	Adults -2 Children- 2	INR 4,00,000
Plan 3	Children- 3 months to 26 years Adults – 18 years to 65 years	Adults -2 Children- 2	INR 5,00,000

Coverage: Benefits & Features

Most Important

ROOM RENT/ ROOM CATEGORY

This variant of Chola Swasth Parivar Insurance plan has limit on room expenses.

It covers room expenses up to 1% of sum insured per day for normal hospitalization.
It covers room expenses up to 1.5% of sum insured per day for ICU hospitalization.

CO-PAYMENT

This variant of Chola Swasth Parivar Insurance plan has two co-pays one compulsory and other on treatment in a non-networked hospital.

Compulsory co-pay of 15% of claimable expenses is applicable on each claim.
Co-pay of 10% per family, per policy year is applicable on treatment in non-networked hospitals.

NO-CLAIM BENEFITS

This variant of Chola Swasth Parivar Insurance plan does not have any no-claim benefit.

SUB-LIMITS

Sub-limits are applicable for specific illnesses mentioned in the policy. Please refer the policy document for details of diseases on which the sub-limits applicable.

Good to have

PRE/POST HOSPITALIZATION

This variant of Chola Swasth Parivar Insurance plan covers 30 days of pre-hospitalization and 60 days of post hospitalization expenses.

RESTORE BENEFITS

This variant of Chola Swasth Parivar Insurance plan does not have restore benefit.

HEALTH CHECK-UP

This variant of Chola Swasth Parivar Insurance plan does not offer health check-up benefit.

Value Adds

AMBULANCE CHARGES

This variant of Chola Swasth Parivar Insurance plan does not cover ambulance expenses.

EYE COVER

This variant of Chola Swasth Parivar Insurance plan does not offer coverage for expenses on eye treatments.

DOMICILIARY HOSPITALIZATION

This variant of Chola Swasth Parivar Insurance plan does not cover domiciliary hospitalization expenses.

OUTPATIENT BENEFITS

This variant of Chola Swasth Parivar Insurance plan does not cover outpatient benefits.

CRITICAL ILLNESS COVERAGE

This variant of Chola Swasth Parivar Insurance plan does not offer additional cover for critical illnesses.

ALTERNATIVE PRACTICE

This variant of Chola Swasth Parivar Insurance plan does not cover non-allopathic treatment expenses.

DENTAL COVER

This variant of Chola Swasth Parivar Insurance plan does not cover expenses for dental treatments.

DAILY CASH

This variant of Chola Swasth Parivar Insurance plan does not offers daily cash allowance.

ORGAN DONOR COVER

This variant of Chola Swasth Parivar Insurance plan does not cover organ donor expenses.

CONVALESCENCE BENEFIT

This variant of Chola Swasth Parivar Insurance plan does not provides convalescence benefit.

MATERNITY COVER

This variant of Chola Swasth Parivar Insurance plan does not coverage maternity expenses.

Exclusions

A cooling off period of 30 days is applicable on buying a health insurance 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 specific illnesses mentioned in the document. Please refer to the 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.