Chola Healthline Policy

What is the Plan all About?

Chola Healthline is a comprehensive health insurance policy providing health coverage for individuals and families. This health plan takes care of all the health insurance needs of the family. It covers hospitalization expenses, so you can focus only on recovery of your health.

3 plan variants can be opted under this plan:

Value Healthline
Freedom Healthline
Enrich Healthline

Key Features

Comprehensive health cover
No pre-policy medical check-up to 45 years
Avail discounts for choosing longer policy tenure
Lifetime renewability
In-house 24x7 claims administration team
Get cashless hospitalization across 3500+ hospitals

Policy Benefits

In-patient hospitalization expenses are covered as mentioned in the Policy.
Pre & Post hospitalization expenses are covered up to a maximum of 30 & 60 days respectively for Value Healthline Plan. Pre & post hospitalization expenses up to a maximum of 60 & 90 days for both Freedom Healthline Plan & Enrich Healthline Plan.
Listed day care procedures/surgeries which need the insured to be hospitalized for less than 24 hours are covered.
Domiciliary treatment expenses are covered to a maximum of 7 days.
Organ donor expenses incurred towards harvesting the organ are covered.
Child hospitalization allowance per hospitalization is applicable for Enrich Healthline Plan.
Extended hospitalization allowance is available but it is only applicable for Enrich Healthline Plan.
Double Sum Insured for 14 listed critical illness & accidents, as mentioned in the policy. This benefit is applicable for Enrich Healthline Plan.

Value Added Benefits

For Value Healthline Plan- Get Cumulative Bonus by 5% of the sum insured for each claim free policy year, up to a maximum of 25% of the base sum insured. For Freedom Healthline Plan- 5% increase in the sum insured, up to a maximum of 50%. For Enrich Healthline Plan-50% increase in the sum insured, up to a maximum of 100%.
Sum Insured can be enhanced at the time of policy renewal.
Emergency ambulance charges are covered under this plan.
Medical expenses incurred under AYUSH treatment are covered.
Grab exclusive discounts at pharmacies, labs, hospitals, etc.
Get e-health card for cashless hospitalization and enjoy discounts.
Health check-up is covered after 3 continuous claim free policy years, for Freedom Healthline Plan and it is covered after 2 continuous claim free policy years, for Enrich Healthline Plan.
Cost of pre-policy medical check-up is reimbursed up to 50% for Value Healthline Plan and 100% for Freedom & Enrich Healthline Plan.
Avail tax benefits u/s 80D as per IT Act, 1961 for premium paid for this plan.

Sub Limits

Room rent limit up to Rs 3000 per day for Value Healthline Plan. No sub-limit on the room rent for Freedom and Enrich Healthline Plan.
ICU charges are capped up to Rs 3000 per day for Value Healthline Plan.
10% co-pay applies on all claims for age above 55 years. This co-pay applies only for Value Healthline Plan.
Ambulance charges of Rs 1000 for Value Healthline Plan and Rs 2000 for Freedom & Enrich Healthline Plan.
Child hospitalization allowance up to Rs 500 per day for 7 days.
Extended hospitalization allowance is paid up to Rs 10,000 lump sum amount after a minimum hospitalization of 10 days.

Waiting Period Clause

Initial Waiting Period: A waiting period of 30 days from the inception date for all hospitalization claims except in case of accidents.
Specific Waiting Period: 24 months Waiting Period will be applicable for specific illnesses.
Pre existing Disease Waiting Period: Any pre-existing ailment/injury that was diagnosed /acquired within 48 months from the issuance of the first policy.

Who can Buy the Plan?

Factor	Minimum	Maximum
Age (as on last birthday)	Adult: 18 Years, Children: 3 Months	Adult: 65 Years, Children: 26 Years
Sum Assured	2 Lacs	10 Lacs
Cover Type	Individual/Family Floater	-
Policy Tenure	1 Year	3 Years
Grace Period	30 Days	-
Free Look Period	15 Days	-
Riders	Nil	-