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Chola Classic Health- Individual Plan

What is the Plan all About?

Chola Classic Health- Individual plan offers complete health coverage for you and your family on individual sum insured basis. This health plan offers hospitalization expenses and get you away from financial worries arising from huge medical bills.

9 plan variants can be opted under this plan:

  • Plan A
  • Plan B
  • Plan C
  • Plan D
  • Plan E
  • Plan F
  • Plan G
  • Plan H
  • Plan I

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Key Features

  • Comprehensive health cover
  • Flexible sum insured options
  • Lifelong renewability
  • Quick & easy claims settlement procedure
  • Get add-on covers
  • Avail AYUSH 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 & 90 days 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 under this plan. It is an add-on benefit and applicable for all plans except Plans H & I.
  • AYUSH benefit is covered up to 100% of the sum insured.

Value Added Benefits

  • Get Cumulative Bonus. 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.
  • Health check-up and eye examination (per insured per annum) are covered. It is an add-on benefit.
  • Emergency ambulance charges are covered under this plan.
  • Avail tax benefits u/s 80D as per IT Act, 1961 for premium paid for this plan.

Sub Limits

  • For Plans A, B, C, D, E, F, & G, hospital room rent are covered for single room and for Plans H & I, shared room is covered.
  • 15% co-pay applies for Plans B, C, D, E, F, & G, if opted class A hospitalization. For Plans H & I, 15% co-pay, if opted class B hospitalization and 25% co-pay if opted class A hospitalization.
  • Ambulance charges are payable as Rs 2000 for Plans A, B, C & D, and Rs 1000 for Plans E, F, G, H & I.
  • General health check-up and eye examination is covered in a range of Rs 1000 to Rs 100, maximum up to Rs 3000, depending on the plan chosen.
  • Hospital daily allowance is covered in a range of Rs 1000 to Rs 75, 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 0.5 Lacs 10 Lacs
Cover Type Individual/Family Floater -
Policy Tenure 1 Year 3 Years
Grace Period 30 Days -
Free Look Period 15 Days -
Riders General Health And Eye Checkup, Hospital Daily Allowance -

Exclusions

  • War, invasion, act of foreign enemy
  • Intentional self-injury
  • Experimental/Unproven treatment
  • Obesity/weight control programs
  • Cosmetic treatments
  • Vaccination or Inoculation
  • HIV, AIDS & other related diseases
  • Mental disorders, etc.