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Chola MS Family Health Insurance

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Chola MS Family Health Insurance Policy


This is a family health insurance policy which covers medical expenses incurred by any member of the family due to hospitalisation.



Key Features


§  No medical check-up required

§  Get coverage before, during and after hospitalisation

§  No sub-limits (individual limits for coverage) on claims



What is covered?


§  Hospital room and boarding expenses

§  Doctor’s fees and nursing expenses

§  ICU charges, operation theatre charges, medicines, surgeon’s fees, prosthetics and other devices implanted internally, dressing charges

§  Organ transplantation costs

§  Allowance for nursing care done at home

§  Also covers 141 day care procedures which do not require 24-hours hospitalisation

§  Pre-hospitalisation charges (up to 60 days), Post-hospitalisation expenses (up to 90 days)

§  Emergency ambulance charges

§  Costs for anesthesia, oxygen, physical therapy, x-ray, laboratory and diagnostic charges, plaster casts etc.

§  Cost of organ donor (but not for the cost of the organ)



Additional Benefits


For a nominal increase in the premium you get reimbursed for:

§  General health check-up

§  Eye examination

§  Daily hospital cash allowance



Eligibility and Restrictions





Coverage Amount (in Rs.)



Policy Term (in years)



Entry Age (in years)



Renewable till Age (in years)





Family floater policy will cover


§  An individual and/or his spouse

§  Dependent children

§  Dependent parents



Tax Benefits


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



Exclusions - What is not covered?


§  Treatments done within first 30 days of taking the policy

§  First year exclusion on cataract, hernia, piles, sinus, spondilitis, joint replacement, heart diseases, tumors etc

§  Pre-existing conditions for first  4 yrs

§  HIV, AIDS and related diseases

§  Hospitalisation due to war

§  Pregnancy-related illnesses

§  Vaccination, obesity and beauty treatments

§  Dental expenses

§  Cost of the organ for transplantation



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