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.
- 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
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Eligibility and Restrictions
|
Minimum
|
Maximum
|
Coverage Amount (in Rs.)
|
2,00,000
|
5,00,000
|
Policy Term (in years)
|
1
|
1
|
Entry Age (in years)
|
-
|
65
|
Renewable till Age (in years)
|
-
|
Lifetime
|
Family floater policy will cover
- 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.
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