|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 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/-|
|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|
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.
Factors for medical insurance in India, How much is the premium and the coverage offered by India health insurance plans..Click here to read more