Chola MS Critical Healthline
Objective
It aims to provide financial respite in case the insured person contracts a listed critical illness. The lump sum benefit can be utilized as per the policyholder's discretion.
Our View
One should not be reluctant in purchasing a critical illness cover if there is a family history of any dreadful disease. Along with basic policy, this policy will pay a lump sum in case of illnesses that require huge expenses for treatment. This is a recommended policy as the cover can be renewed till lifetime.
Suited for
Though, it can be opted by anyone who fulfills the eligibility criteria, it is highly recommended for people with family history of any dreadful disease.
What does it do?
It pays a lump sum on confirmed diagnosis of any of the listed critical illnesses. Each critical illness has a waiting period, starting from commencement of the policy, during which it cannot be claimed. There are two plans to choose from- Standard and Advanced plan, covering 10 and 12 critical illnesses respectively.
Pros
It allows lifetime renewal.
It offers lower premium for women.
Policy premium qualifies for taxation benefit under section 80D of Income Tax Act
Eligibility
Entry Age (years)
Minimum
18; 5 for Children
Maximum
65; 25 for Children
Maximum Policy Renewal Age (years)
Lifetime
Coverage Type
Individual/ family
Sum Insured (Rs)
Maximum
10 lakh
Minimum
3 lakh
Policy Term (years)
1
Customer Service
Address
Registered Office:Cholamandalam MS,
General Insurance
Company Ltd,
2nd Floor, "Dare House",
No.2, NSC Bose Road,
Chennai - 600001, India
Mail to
[email protected]
Call to
044-3044 5400, 1800-200-5544 (Toll Free)
SMS
SMS "CHOLA" to 56677
Network Hospitals
Http://www.cholainsurance.com/nwhosp/
Additions to the Plan
| Scope of Cover | ||
| Standard Critical Healthline | Advanced Critical Healthline | |
| Critical illnesses (Survival Period in days) | ||
| Cancer of specified severity(30) | covered | covered |
| Stroke resulting in permanent symptoms(90) | covered | covered |
| First Heart Attack(30) | covered | covered |
| Open chest CABG(30) | covered | covered |
| Kidney Failure RequiringRegular Dialysis(30) | covered | covered |
| Multiple Sclerosis with persisting symptoms(180) | covered | covered |
| Major organ/ bone marrow transplant(30) | covered | covered |
| Permanent paralysis of limbs(180) | covered | covered |
| Surgery of Aorta(30) | covered | covered |
| Primary Pulmonary hypertension(30) | covered | covered |
| Parkinson's disease(180) | NA | covered |
| Motor Neuron Disease With Permanent Symptoms(90) | NA | covered |
| Emergency Ambulance | NA | covered upto Rs 1000 per insured per policy year |
| Exclusions and Waiting Period | ||
| Pre-existing diseases | not covered | |
| No claim Period | 90 days from commencement of the policy | |
| Survival period | as stated under scope of cover | |
Cost Details
| Annual Premium Option for Standard Plan | ||||||
| Age (in years) | Male | Female | ||||
| Sum Insured (in Rs.) | ||||||
| 3 lakh | 5 lakh | 10 lakh | 3 lakh | 5 lakh | 10 lakh | |
| 05 - 19 | 734 | 980 | 1594 | 691 | 907 | 1448 |
| 20 - 24 | 832 | 1185 | 2003 | 805 | 1139 | 1913 |
| 25 - 29 | 985 | 1481 | 2597 | 948 | 1420 | 2475 |
| 30 - 34 | 1221 | 1916 | 3668 | 1158 | 1810 | 3275 |
| 35 - 39 | 1565 | 2571 | 5071 | 1552 | 2444 | 4697 |
| 40 - 44 | 2585 | 4270 | 8484 | 2495 | 4015 | 7958 |
| 45 - 49 | 3674 | 6039 | 12011 | 3465 | 5665 | 11265 |
| 50 - 55 | 4968 | 8220 | 16225 | 4596 | 7516 | 14867 |
| 56 | 5852 | 8979 | 16847 | 4985 | 8167 | 15722 |
| 57 | 6610 | 10243 | 19374 | 5623 | 9231 | 17850 |
| 58 | 7483 | 11697 | 22282 | 6428 | 10572 | 20533 |
| 59 | 8484 | 13366 | 25620 | 7354 | 12116 | 23621 |
| 60 | 9631 | 15278 | 29443 | 8418 | 13888 | 27164 |
| 61 | 10942 | 17462 | 33811 | 9635 | 15918 | 31223 |
| 62 | 12435 | 19951 | 38791 | 11026 | 18236 | 35861 |
| 63 | 14135 | 22784 | 44457 | 12612 | 20879 | 41147 |
| 64 | 16065 | 26000 | 50889 | 14417 | 23887 | 47163 |
| 65 | 18252 | 29645 | 58179 | 16466 | 27302 | 53992 |
| Premiums are exclusive of service tax and cess | ||||||
| Annual Premium Option for Critical Plan | ||||||
| Age (in years) | Male | Female | ||||
| Sum Insured (in Rs.) | ||||||
| 3 lakh | 5 lakh | 10 lakh | 3 lakh | 5 lakh | 10 lakh | |
| 05 - 19 | 826 | 1110 | 1821 | 747 | 999 | 1630 |
| 20 - 24 | 968 | 1347 | 2295 | 909 | 1270 | 2172 |
| 25 - 29 | 1146 | 1644 | 2888 | 1108 | 1583 | 2799 |
| 30 - 34 | 1409 | 2080 | 3960 | 1336 | 1986 | 3610 |
| 35 - 39 | 1768 | 2745 | 5367 | 1744 | 2621 | 5034 |
| 40 - 44 | 2808 | 4470 | 8785 | 2689 | 4212 | 8311 |
| 45 - 49 | 3903 | 6240 | 12314 | 3660 | 5874 | 11623 |
| 50 - 55 | 5202 | 8510 | 16533 | 4793 | 7751 | 15307 |
| 56 | 5695 | 9194 | 16989 | 5306 | 8416 | 16217 |
| 57 | 6467 | 10480 | 19560 | 5943 | 9511 | 18357 |
| 58 | 7357 | 11962 | 22528 | 6760 | 10905 | 21043 |
| 59 | 8381 | 13669 | 25941 | 7704 | 12730 | 24132 |
| 60 | 9556 | 15628 | 29858 | 8737 | 14284 | 27678 |
| 61 | 10941 | 17936 | 34474 | 9993 | 184021 | 31740 |
| 62 | 12479 | 20499 | 39600 | 11384 | 18697 | 36378 |
| 63 | 14232 | 23422 | 45446 | 12971 | 21340 | 41664 |
| 64 | 16227 | 26747 | 52096 | 14775 | 24348 | 47680 |
| 65 | 18492 | 30522 | 59646 | 16824 | 27763 | 54510 |
| Premiums are exclusive of service tax and cess | ||||||
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