Cholamandalam Insurance Plans

Cholamandalam Healthline insurance

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  • Family

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Chola Healthline Family insurance

Cholamandalam Healthline insurance Family health insurance plans provide coverage for the entire family within the scope of a single health plan. find quotes, compare & buy Cholamandalam Healthline insurance Quotes for Family Buy Cholamandalam Healthline insurance for Family

Key highlights of Healthline insurance

Chola Healthline Insurance offers comprehensive medical and health insurance benefits to individuals and families in India. The family floater insurance offers coverage to you, spouse and children on floater sum basis. The individual insurance plan will cover your parents, in-laws and siblings.

There a four different plans with a range of Sum insured options from which the applicant can choose from. Unique benefits include Cashless hospitalization, No claim bonus…

Cholamandalam Health Insurance review

Cholamandalam Health Insurance
Chola Health Insurance sum insured
2 lacs − 25 lacs options available
Incurred Claims Ratio *
35.00%
Chola Health Insurance tenure options
1,2,3 years options available
Claims Settlement Ratio **
73.87%
List of network hospitals
6,500+ hospitals
Number of policies issued *
103,232
Maximum family floater coverage
Self, Spouse + 4 dependent children
Number of lives covered *
1,806,000
* As per IRDAI report for 2018-19   |   ** As per NL25 data published on the Insurance Company website
  • Key features
  • Coverage benefits

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

Cholamandalam MS Health Insurance FAQ’s

We shall settle claims, including its rejection, within 7 (seven) working days of the receipt of the last ‘necessary’ document but not later than 30 days.

You should submit the post-hospitalization claim documents at your own expense within 15 days of completion of post-hospitalization treatment or period, whichever is earlier. We shall receive pre and post- hospitalization claim documents either along with the inpatient hospitalization papers or separately and process the same based on merit of the claim derived on the basis of documents received.

It refers to payment of the Medical Expenses incurred by the insured while undergoing Specified Day Care Procedures/ Treatment (as mentioned in the Day Care Surgeries list), which require less than 24 hours Hospitalization.

Co-payment is a cost-sharing requirement under a health insurance policy, where the Policy Holder / insured will bear a specified percentage of the admissible costs.

A ‘Free Look Period’ is a period of 15 days from the date of receipt of the policy that a policyholder, in this case you, have to review the entire health insurance plan. If you disagree with any of the terms or conditions mentioned in the policy, you have the option of returning the policy by stating the reasons for the objection. Following this, you are entitled to a refund of the premium paid, provided no claim has been made under this mediclaim insurance policy (subject only to a deduction of the expenses incurred by the company on medical examination and the stamp duty charges). Please note that this facility is not applicable on renewal and portability cases.

Brochure

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Proposal form

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Policy wordings

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Cholamandalam health insurance useful links

How to buy online?

You can buy insurance online by using a credit/debit card, direct funds transfer using NEFT or RTGS or by using a cheque

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Network hospitals

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Health insurance benefits

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Portability

Portability Information for Mediclaim Insurance in India


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Health insurance FAQ

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    InstantCover Insurance Web Aggregator Private limited
    710, 6th B Cross, 16th Main Road, Koramangala 3rd Block, Bangalore - 560 034.

  • +91-(80)-41101026
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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2022
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