Get Quotes from Top Insurers with Lowest Premium
Enter Details > Get Quotes > Buy Your privacy is protected.
Why Comparepolicy.com
Unbiased information on plans from varied insurance companies
Easy comparisons to choose the best insurance plan
No hidden costs, pay the same premium as offered by the insurer
Pre and post sales expert assistance for smooth online buying experience
Reliable, Accurate and Quick policy servicing
THANK YOU!
Our representative will get back to you soon.
You can also directly contact us at
+91-7836966356

Chola Classic Health- Family Plan

What is the Plan all About?

Chola Classic Health – Family Floater is a comprehensive health plan that takes care of family’s healthcare needs. This health plan covers medical expenses incurred arising from hospitalization of any insured family member.

5 plan variants can be opted under this plan:

  • Plan A
  • Plan B
  • Plan C
  • Plan D
  • Plan E

BUY NOW

Key Features

  • Family health cover under one plan
  • Multiple plan options to choose from
  • Get Hospital Daily Allowance
  • Avail AYUSH Benefits
  • Lifelong renewability
  • Enjoy tax benefits

Policy Benefits

  • In-patient hospitalization expenses are covered as mentioned in the Policy.
  • Pre & Post hospitalization expenses are covered up to a maximum of 60 days before hospitalization & 90 days after hospitalization respectively.
  • Listed day care procedures/surgeries, which need the insured to be hospitalized for less than 24 hours are covered.
  • Hospital daily allowance is provided as per family per annum basis. This benefit is paid for a maximum of 7/14 days as per plan chosen. It is applicable for all plans except Plan E.

Value Added Benefits

  • Get Cumulative Bonus which offers a 5% increase in sum insured for each claim free policy year, to a maximum of 50%.
  • Sum Insured can be enhanced at the time of policy renewal.
  • AYUSH benefit is covered up to 100% of the sum insured.
  • Emergency ambulance charges are covered under this plan.
  • 50% to 100% Cost of pre insurance, health check-up is reimbursed, depending on the plan chosen.
  • Cost incurred towards external aids and appliances are covered.
  • Home nursing care allowance is provided. This benefit is not applicable for Plan E.
  • Avail tax benefits u/s 80D as per IT Act, 1961 for premium paid for this plan.

Sub Limits

  • Room rent capping is in a range of Rs 3,000 to Rs 1000 per day, depending on the plan chosen.
  • Ambulance charges are payable as Rs 1000 (per family per annum).
  • External Aids and appliances is capped up to Rs 10,000 (per family per annum).
  • Home nursing care allowance is capped in a range of Rs 300 to Rs 200 per day (per family per annum).
  • Hospital daily allowance is covered in a range of Rs 500 to Rs 200, depending on the plan chosen.

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: Specific illnesses such as Hernia, Hydrocele, Cataract, Hysterectomy, etc are covered after after 12 months of continuous policy coverage.
  • 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: 90 Days 65 Years
Sum Assured 1 Lac 5 Lacs
Cover Type Family Floater -
Policy Tenure 1 Year -
Grace Period 30 Days -
Free Look Period 15 Days -
Riders Nil -

Exclusions

  • War, invasion, act of foreign enemy
  • Breach of law with criminal intent
  • Intentional self-injury
  • Travel expenses, excluding ambulance charges
  • Obesity/weight control programs
  • Cosmetic treatments
  • Vaccination or Inoculation
  • Mental disorders
  • Naturopathy Treatments, etc.