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Chola MS Critical Healthline


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.

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.


It allows lifetime renewal.
It offers lower premium for women.
Policy premium qualifies for taxation benefit under section 80D of Income Tax Act

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.

Entry Age (years) 
Minimum18; 5 for Children
Maximum65; 25 for Children
Maximum Policy Renewal Age (years)Lifetime
Coverage TypeIndividual/ family
Sum Insured (Rs) 
Maximum10 lakh
Minimum3 lakh
Policy Term (years)1
Customer Service 
AddressRegistered Office:Cholamandalam MS,
General Insurance
Company Ltd,
2nd Floor, "Dare House",
No.2, NSC Bose Road,
Chennai - 600001, India
Mail to[email protected]
Call to044-3044 5400, 1800-200-5544 (Toll Free)
SMSSMS "CHOLA" to 56677
Network HospitalsHttp://www.cholainsurance.com/nwhosp/
Additions to the Plan
Scope of Cover
Standard Critical HealthlineAdvanced Critical Healthline
Critical illnesses (Survival Period in days)
Cancer of specified severity(30)coveredcovered
Stroke resulting in permanent symptoms(90)coveredcovered
First Heart Attack(30)coveredcovered
Open chest CABG(30)coveredcovered
Kidney Failure RequiringRegular Dialysis(30)coveredcovered
Multiple Sclerosis with persisting symptoms(180)coveredcovered
Major organ/ bone marrow transplant(30)coveredcovered
Permanent paralysis of limbs(180)coveredcovered
Surgery of Aorta(30)coveredcovered
Primary Pulmonary hypertension(30)coveredcovered
Parkinson's disease(180)NAcovered
Motor Neuron Disease With Permanent Symptoms(90)NAcovered
Emergency AmbulanceNAcovered upto Rs 1000 per insured per policy year
Exclusions and Waiting Period
Pre-existing diseasesnot covered
No claim Period90 days from commencement of the policy
Survival periodas stated under scope of cover
Annual Premium Option for Standard Plan
Age (in years)MaleFemale
Sum Insured (in Rs.)
3 lakh5 lakh10 lakh3 lakh5 lakh10 lakh
05 - 1973498015946919071448
20 - 248321185200380511391913
25 - 299851481259794814202475
30 - 34122119163668115818103275
35 - 39156525715071155224444697
40 - 44258542708484249540157958
45 - 4936746039120113465566511265
50 - 5549688220162254596751614867
Premiums are exclusive of service tax and cess
Annual Premium Option for Critical Plan
Age (in years)MaleFemale
Sum Insured (in Rs.)
3 lakh5 lakh10 lakh3 lakh5 lakh10 lakh
05 - 19826111018217479991630
20 - 249681347229590912702172
25 - 29114616442888110815832799
30 - 34140920803960133619863610
35 - 39176827455367174426215034
40 - 44280844708785268942128311
45 - 4939036240123143660587411623
50 - 5552028510165334793775115307
Premiums are exclusive of service tax and cess

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