Chola MS Family Health Insurance
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
Daily hospital cash allowance
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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
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
Vaccination, obesity and beauty treatments
Cost of the organ for transplantation
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