Chola Topup Healthline Plan

What is the Plan all About?

Chola Topup Healthline covers you against the additional claim amount over & above the existing sum insured. It provides additional cover at a nominal premium and can be taken as an add-on to your mediclaim policy.

Key Features

Top-up cover at an affordable cost
Flexible sum insured & deducible
Long term policy options
Lifelong renewability
24 hours TPA assistance
Cashless hospitalization across 3500+ network hospitals

Policy Benefits

In-patient hospitalization expenses like medical practitioner fees, room and boarding expenses, etc. 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.
Emergency ambulance charges are covered under this plan.

Value Added Benefits

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

Sub Limits

No room rent limit is applicable under the plan.
Pre hospitalization is capped up to 5% of the hospitalization claim amount.
Post hospitalization is capped up to 10% of the hospitalization claim amount, subject to a maximum of Rs 50,000.
Ambulance charges are payable up to Rs 3000 per hospitalization.

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 Hysterectomy, Hypertension, Diabetes, 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.

Who can Buy the Plan?

Factor	Minimum	Maximum
Age (as on last birthday)	Adult: 18 Years, Children: 3 Months	Adult: 65 Years, Children: 35 Years
Sum Assured	Rs 50,000	15 Lacs
Deductible	Rs 30,000	5 Lacs
Cover Type	Individual/Family Floater	-
Policy Tenure	1 Year	3 Years
Grace Period	30 Days	-
Free Look Period	15 Days	-
Riders	Nil	-