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Chola MS Individual Healthline Plan

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Chola MS Individual Healthline Insurance Plan


Chola MS Individual Healthline is a complete health insurance policy for the entire family including self, spouse, dependent children, parents as well as parents-in-law. It covers medical expenses incurred by a person due to any illness or injury. This plan provides for the flexibility to choose a variant according to his requirement from maternity expenses to ayurvedic treatment to OPD Dental Care and Spectacles, etc.



Key Features of Cholamandalam MS Individual Healthline Policy


  • Policy covers self, spouse, dependent children, parents as well as parents-in-law
  • In this plan there is no requirement of medical check-up till 55 years of age
  • This policy can be renewed life long
  • Provides No Claim Bonus such that the Sum Assured increases for each claim free renewal


What is covered in Chola MS Individual Healthline?


  • This policy covers Hospitalization expenses which includes
    • 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 organs
  • Pre and post hospitalization expenses up to 60 and 90 days respectively
  • Emergency ambulance expense up to limits
  • 41 day care procedure not requiring hospitalization Hospital




Additional Benefits of Chola MS Individual Healthline Insurance Policy

  • Maternity expenses are covered after a waiting period of 5 years under Superior and Advanced Plans
  • Ayurvedic Therapy Treatment, OPD Dental Care, external aids like Spectacles, Contact Lens, Hearing Aids, etc are covered under Advanced Plan after a specified waiting period


Eligibility and Restrictions of Chola MS Individual Healthline





Coverage Amount (in Rs.)



Policy Term (in years)



Entry Age (in years)



Entry Age for Dependent Children

3 months

35 yrs for dependent female & 25 yrs for dependent male

Renewable till Age (in years)


Life long


Family floater policy will cover

  • An individual and / or his spouse
  • Children
  • Dependent parents and dependent parents-in-law


Tax Benefits in Chola MS Individual Healthline Plan

Health Insurance premiums paid up to Rs. 15,000 and Rs 20,000 for senior citizen are allowed as a deduction from the taxable income each year under section 80D of the Income Tax Act.


Exclusions - What is not covered in Chola MS Individual Healthline?

  • Diseases contracted within 30 days of insurance
  • The illnesses that are excluded for the first year are Cataract, Benign Prostratic Hypertrophy, Hysterectomy for Menorrhagia or Fibromyoma, Hernia, Hydrocele, Fistula, Piles, Sinusitis & Related Disorders, Gall Stones
  • The illnesses that are excluded for the first 2 years are Spondylitis, Spondylosis, 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



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