Chola MS Critical Healthline Insurance Plan

Policy Benefits

• A lump sum amount is payable on the first diagnosis of any one of the 10 critical illnesses for Standard Plan & 12 critical illnesses for Advanced Plan. (For Standard Plan Critical illnesses include- Cancer of Specified Severity, Stroke Resulting in Permanent Symptoms, First Heart Attack Of Specified Severity, Open Chest CABG, Kidney Failure Requiring, Regular Dialysis, Multiple Sclerosis With Persisting Symptoms, Major Organ/Bone Marrow Transplant, Permanent Paralysis Of Limbs, Surgery to Aorta, Primary Pulmonary hypertension. For Advanced Plan Critical illnesses include- Parkinson’s Disease & Motor Neuron Disease With Permanent Symptoms, along with the illnesses covered under standard plan.)
• For advanced plan, ambulance charges are covered.
• Family cover is available under this plan.

Value Added Benefits

• Option to choose Standard or Advanced plan as per the requirement and coverage.
• Option to enhance sum insured at the policy renewal.
• No pre-proposal medical check up is required up to 55 years, having no medical adversity.
• Cost of pre-acceptance medical check-up is reimbursed up to the limits specified in the policy.
• Get Portability Benefits.
• Enjoy Lifetime Renewability and get covered throughout your life.
• Premium amount paid for this plan enjoys tax exemption u/s 80D of IT Act 1961.

Sub Limits

• No cost sharing/co-pay is applicable under this plan.
• Ambulance charges are payable up to Rs 1,000 per insured during a policy year.
• 50% cost of pre-acceptance medical check-up is reimbursed, subject to issuance of the policy.

Waiting Period Clause

• Initial Waiting Period: 90 day waiting period for any claims is applicable from the commencement of the policy.
• Survival Waiting Period: Benefit under this plan is payable after 30 days of survival period. Stroke resulting in permanent symptoms/ Motor Neuron disease with persistent symptoms have a 90 day survival period. Multiple sclerosis/Permanent paralysis of limbs/Parkinson’s Disease have a 180 day survival period.