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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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