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Chola Swasth Parivar Insurance Policy

What is the Plan all About?

Chola Swasth Parivar Insurance provides a comprehensive health cover for families on floater sum insured basis. This health plan also provides personal accident cover for families on an individual sum insured basis.

2 plan variants can be opted under this plan:

  • Pearl
  • Royale

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Key Features

  • Affordable health cover for families
  • Two plans options with flexible benefits
  • Lifetime renewability
  • In-house claims administration team
  • 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 30 & 60 days.
  • Listed day care procedures/surgeries which need the insured to be hospitalized for less than 24 hours are covered. This benefit is applicable only in case of network hospital.
  • Accidental Death and Disablement is also covered for self, spouse, & child (maximum 2 children). This benefit is payable under Royale Plan.

Value Added Benefits

  • Sum Insured can be enhanced at the time of policy renewal.
  • No pre-policy medical check-up is required to 55 years of age.
  • 50% Cost of pre-policy medical check-up is reimbursed.
  • Avail tax benefits u/s 80D as per IT Act, 1961 for premium paid for this plan.

Sub Limits

  • Room rent is payable up to 1% of the sum insured.
  • ICU charges are capped up to 1.5% of the sum insured.
  • Compulsory co-payment of 15% is applicable on each & every eligible claim. Another co-pay of 10% is applicable for treatment in a non-network hospital.
  • Permanent Total Disablement is covered up to 50/100% of SI, depending on the disability.
  • Permanent Partial Disablement is covered up to 2% to 60% of SI, depending on the disability.

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: 24 months Waiting Period will be applicable for specific illnesses under Pearl Plan and 12 months waiting period under Royale Plan for illnesses specified under the plan.
  • 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 Adult: 65 Years, Children: 26 Years
Sum Assured 3 Lacs 5 Lacs
Cover Type Individual/Family Floater -
Policy Tenure 1 Year 1 Year
Grace Period 30 Days -
Free Look Period 15 Days -
Riders - -

Exclusions

  • War, invasion, act of foreign enemy
  • Vaccination/Inoculation
  • Dental treatment
  • Personal comfort and convenience items
  • Cost of contact lenses, eyeglasses, or hearing aids
  • Outpatient treatment
  • Domiciliary treatment