Chola MS Individual Healthline 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
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
- 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
- 41 day care procedure not requiring hospitalization Hospital
- Emergency ambulance expense up to limits
Benefits
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
Tax Benefit
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.
Eligibility
|
|
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 |
Exclusions
- 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
