Chola MS Family Health Insurance

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

• No medical check-up required
• Get coverage before, during and after hospitalisation
• No sub-limits (individual limits for coverage) on claims

• 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)

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

• General health check-up
• Eye examination
• Daily hospital cash allowance

• An individual and/or his spouse
• Dependent children
• Dependent parents

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.

• 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