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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


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 -


  • 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.