Chola MS Family Healthline Insurance Plan

What is the Plan all About?

Chola MS Family Healthline Insurance provides comprehensive health cover for families against Allopathic and Ayurvedic treatments. It provides cover on floater sum insured basis. This health policy covers hospitalization expenses, Maternity, Dental and Eye care.

3 plan variants can be opted under this plan:

Standard
Superior
Advanced

Key Features

Health cover for family
The option to customize your policy
Flexible sum insured options
Avail claim-free bonus
No pre-policy medical check-up up to 55 years
Quick & easy claims settlement procedure
Lifelong renewability

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.
141 and other listed day care procedures/surgeries which need the insured to be hospitalized for less than 24 hours are covered.
Daily Cash is available upon choosing shared accommodation. This benefit is applicable for a maximum of 7/14 days, as per the plan chosen.
Minor accompaniment daily cash benefit is provided. This benefit is applicable for Superior and advanced plan up to a maximum of 7/14 days, as per the plan chosen.
Home hospitalization expenses are covered under this plan. This benefit is applicable for Superior and Advanced Plan.
Maternity expenses are covered. This benefit is applicable for Superior and Advanced Plan.
Ayurvedic therapy treatments are covered. This benefit is applicable for Advanced Plan.

Value Added Benefits

Get Cumulative Bonus which offers 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 is covered up to the limits specified in the policy. This benefit is applicable after 2 continuous claim free policy years.
50% cost of pre-policy medical check-up is reimbursed on issuance of the policy.
Emergency ambulance charges are covered under this plan.
OPD dental expenses are covered. This benefit is applicable for Advanced Plan.
Expenses incurred towards external aids (spectacles, contact lenses, hearing aids, etc) are covered. This benefit is applicable for Advanced Plan.
Chola Wellness health alerts service is available for one member in each policy without any additional cost.
Avail tax benefits u/s 80D as per IT Act, 1961 for premium paid for this plan.

Sub Limits

AC single room up to Rs 3000 per day for Standard Plan. For Superior Plan, AC single room up to Rs 3000 per day for SI 4 Lacs and up to a maximum of 1% of the sum insured for SI 6/8/10 Lacs. For Advanced Plan, a maximum of 1% of the sum insured.
20% co-pay applies for specified ayurvedic therapy treatments. 30% co-pay applies for both OPD dental expenses and external aids.
Ambulance charges are payable as Rs 1000, Rs 2000 & Rs 3000 for Standard, Superior & Advanced Plan respectively.
When choosing shared accommodation, Daily Cash benefit of Rs 250 per day with 1 day deductible for Standard Plan and Rs 500 per day with 1 day deductible for Superior and Advanced Plan.
Minor accompaniment daily cash of Rs 250 per day with 1 day deductible.
For Superior Plan, home hospitalization up to 15% of SI, to a maximum of Rs 70,000 and for Advanced Plan, it is capped up to 25% of SI, to a maximum of Rs 1 Lac.
For Superior Plan, maternity expenses up to Rs 15,000 and Rs 25,000 for normal & Caesarean delivery. For Advanced Plan, maternity expenses up to Rs 25,000 and Rs 40,000 for normal & Caesarean delivery.
Ayurvedic therapy treatments up to 7.5% of the sum insured.
OPD dental expenses and external aids up to 1% of the sum insured, up to a maximum of Rs 5000.
Other Sub-limits (applicable for Standard plan):

Cataract - 7.5% of SI upto Rs.20,000 per eye (under Standard & Superior Plan)
Hernia/Hydrocele - 10% of SI upto Rs.30,000
Fistula in Anus, Anal Fissure, Piles - 10% of SI Upto Rs.30,000
Sinusitis - 10% of SI upto Rs.30,000
Tonsilitis or Adenoids - 15% of SI Upto Rs.40,000

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, etc are covered after 12 months of continuous policy coverage and other illnesses such as Spondylitis, ENT Disorders, Internal Congenital Anomaly, etc are covered after 24 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.
Maternity Waiting period: Maternity expenses are covered after a continuous policy coverage for 5 years.
OPD Dental Waiting Period: OPD Dental medical expenses are covered after a continuous policy coverage for 3 years.
External Aids Waiting Period: Expenses incurred towards external aids are covered after a continuous policy coverage for 3 years.

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	15 Lacs
Cover Type	Family Floater	-
Policy Tenure	1 Year	1 Year
Grace Period	30 Days	-
Free Look Period	15 Days	-
Riders	Nil	-