India's 1st IRDAI Approved Insurance Web Aggregator

Chola MS Individual Healthline Plan

  •  views
  •  views

 

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

 

 

 

Minimum

Maximum

Coverage Amount (in Rs.)

1,00,000

10,00,000

Policy Term (in years)

1

1

Entry Age (in years)

18

65

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

 

 

Similar Withdrawn Health Insurance Plans from Chola MS
Compare Health Plans

Leave a Comment

Health Insurance Calculator