Chola MS Healthline insurance

Chola MS insurance review

• Chola MS Key Features of Healthline Policy Insurance

  • Room rent: Daily Limit from ₹3,000 upto Single Occupancy A/C Room
  • Co-pay: No co-pay if entry age < 55 yrs / 10% co-pay for ages > 55 yrs
  • Restoration Benefit: NIL. However Double SI for Critical Illness/Accidents

• Features of Chola MS Critical Healthline Insurance

  Plans under Chola Healthline	Value Healthline	Freedom Healthline	Enrich Healthline	Privilege Healthline
  Sum Insured in INR (In Lacs)	2/3/5/7.5/10 Lacs	3/5/7.5/10/15 Lacs	3/5/7.5/10/15/20/25 Lacs	5/7.5/10/15/20/25 Lacs
  Benefits forming part of Sum Insured opted
  In —Patient Hospitalization Expenses	Covered	Covered	Covered	Covered
  Day Care Procedures /Treatment Expenses	Covered	Covered	Covered	Covered
  Pre Hospitalization Expenses	30 days	60 days	60 days	60 days
  Post Hospitalization Expenses	60 days	90 days	90 days	90 days
  Domiciliary Hospitalization Expenses per insured person per policy year	Max 7 days	Max 7 days	Max 7 days	Max 7 days
  AYUSH Coverage Expenses	Covered	Covered	Covered	Covered
  Organ Donor Hospitalization Expenses	Covered	Covered	Covered	Covered
  Emergency Ambulance Expenses per Hospitalization	₹ 1000	₹ 2000	₹ 2000	₹ 5000
  Maternity Expenses (Upto 2 deliveries , after 3 onsecutive renewals)	No	No	No	upto ₹ 1 laks per delivery
  New Born Baby Hospitalization Expenses	No	No	No	Covered upto Sum Insured of Mother / Floater Sum Insured
  Co-Payment
  Co-Payment for age above 55 years	10% on all claims for Insured Persons above 55 years of age.	No	No	No
  Additional Benefits over the Sum Insured
  Child Hospitalization Allowance per hospitalization	No	No	₹ 500 per day for 7 days	No
  Outpatient Dental Specs/Contact lens/hearing aids	No	No	No	₹ 10,000/- every 2 yrs
  Extended Hospitalization Allowance (Minimum 10 days Hospitalization)	No	No	₹ 10,000	₹ 10,000
  Double Sum Insured	No	No	For Critical illness and Accidents	For Critical illness and Accidents
  Specialist Opinion for Critical illness	No	No	No	₹ 25000/-
  Renewal Benefits
  Health Checkup Expenses	No	Once after 3 claim free years	Once after 2 claim free years	Once after 2 claim free years
  Cumulative Bonus	5% of Sum Insured every claim free year subject to maximum of 25% of Sum Insured	5% of Sum Insured every claim free year subject to maximum of 50% of Sum Insured	50% of Sum Insured every claim free year subject to maximum of 100% of Sum Insured	5% of Sum Insured every claim free year subject to maximum of 50% of Sum Insured
  Reduction in Cumulative Bonus in case of claim in the following policy year	5% of Sum Insured	5% of Sum Insured	5% of Sum Insured	5% of Sum Insured