VR Logo

Chola MS Family Healthline- Advanced

Objective

An online health insurance policy that aims to cover a family of up to two adults and three children under a single policy for a maximum sum insured of 15 lakh.


Suited for

It is suitable for a young and growing family.


What does it do?

This is the third variant of Family Healthline policy. It offers a family floater cover where Sum Insured can be utilized by any of the insured members. It covers hospitalisation expenses for treatment taken as an inpatient, day care procedures, emergency ambulance, pre and post hospitalisation expenses and also provides a daily cash amount for choosing shared accommodation. In addition to these benefits, the policy pays for domiciliary treatment i.e, treatment taken at home, maternity expenses and a daily cash amount in event of an insured minor being hospitalized. Insurer further widens the coverage by including OPD dental treatment, ayurvedic treatment and external aids such as contact lenses, spectacles etc. This policy comes with a co-payment clause whereby, policyholder will need to pay 10 per cent of admissible claim each time except in case of treatments which already contain a co-pay clause specific to them. Co-pay clause can be waived by paying additional premium. Policyholder may also avail reminder or alert facility known as Chola Wellness Health Alert Services (CWHAS) from insurer by paying an additional premium.


Pros

It pays a bonus for every claim-free year on an annual basis.
It allows lifelong renewal.
Chola Wellness Health Alert Services will prevent missing on important events.
It provides an option to waive off the co-payment clause.
It is available online for purchase.
Policy premium qualifies for taxation benefit under section 80D of Income Tax Act.


Cons

The co-payment clause requires policyholder to pay 10 per cent of the admissible claim.
There is a cap on room rent, boarding and nursing expenses.
No-claim bonus will be reversed by 10 per cent in the event of any claim.


Our View

A comprehensive policy meant for young and a growing family that allows lifetime renewal. Co-payment clause acts as a limitation. Check the additional premiums required to waive Co-pay clause. Try to avoid such clauses if you are young an healthy. It also caps room rent and boarding expenses which is another deterrent.

Eligibility
Entry Age (years) 
Minimum18; 3 Months for Children
Maximum65; 35 for Children
Maximum Policy Renewal Age (years)Lifetime renewal
Coverage TypeFamily floater
Sum Insured (Rs) 
Maximum15 lakh
Minimum6 lakh
Policy Term (years)1
No Claim Bonus5% of Sum Insured for each claim free year
Pre Policy Medical Check UpNot required upto 55 years of age
Grace Period for Policy Renewal15 days
Co Payment ClausePolicyholder has to bear 10% of the admissible claim amount
Policy TerminationEither of insurerd or policyholder may terminate this policy by giving a notice period of 15 days. If no claim has been made, insurer will return premium on a pro-rata basis
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
Cashless facilityavailable if treated at network hospital
Reimbursement facilityavailable if treatment taken in an non-network hospital
Pre and post hospitalisationcovered from 60 days prior to hospitalisation and upto 90 days after discharge from hospital
Inpatient hospitalisationcovered
Room, boarding and nursing expensesupto 1% of Sum Insured
Day Care Procedures141 in number are covered
Daily cash for choosing shared accommodationRs 500 per day for upto 14 days with 1 day deductible
General health check-up & eye examination1.0% of Sum Insured per family
Emergency ambulance3000
Home hospitalizationupto 25% of Sum Insured, maximum Rs 1 lakh
Maternity expensesRs 25000 for normal delivery and Rs 40000 for caesarean
Minor accompaniment daily cashRs 250 per day for max 14 days with 1 day deductible
Outpatient dental treatment1% of Sum Insured s.t, max of Rs 5000 with 30% co-payment
Ayurvedic treatment( only for specific treatments mentiond in policy document)7.5% of Sum Insured with 20% co-payment applicable
External aids (specs, contact lenses, hearing aids once in a block of 2 years)1% of Sum Insured, max Rs 5000 with 30% co-payment
Exclusions and Waiting Period
Pre-existing diseasesnot covered upto 48 months of continuous coverage from first policy year
No claim Period30 days from commencement of the policy
Waiting period5 years for maternity benefits3 years for OPD dental expenses3 years for external aid benefitscataract, hernia, sinusitis and certain other illnesses will be covered after 1 yearCertain other illnesses such as cysts, internal tumours, surgery of varicose veins and varicose ulcers etc. will be covered after 2 years
General ExclusionsCosmetic, beauty or slimming treatment.AIDS or any related illnessTreatment of any mental or related disease
Annual Premium
Age (in years)Sum Insured (in Rs)
6 lakh8 lakh10 lakh12 lakh15 lakh
2 Adults
18-351664919159214562557831590
36-452040224977319403579746710
46-503194441388505226282376687
51-554129853799646277901095015
56-60559167329389985108218128196
61-657006391424116854135955161506
66-7099235131362165969193839231083
2 Adults + 1 Kid
18-351723521960254572981135394
36-452246729290343674320050372
46-503448451160605447151184314
51-5541883617237331286867102667
56-60565018216897944116387137906
61-6571202100730120542143719170730
66-70103078142202171115204977244366
2 Adults + 2 Kids
18-351829025948322903649942417
36-452394734881413664916657551
46-503871753456627817353786752
51-5549976655957802590782107379
56-606747287695103679122073144748
61-6585052108753129850153291182247
66-70135650167839196960226080269761
2 Adults + 3 Kids
18-352427231266367574257849733
36-453184041466491765726367294
46-505206863298734818366498938
51-55661618088394222107561127570
56-6089414109801128258146715174402
61-65109980135611158808182005216800
66-70156007193475227365261254312087
2 Adults + 1 Kid
18-351581019212224102476528297
36-451971825376300203348438680
46-502832937298463425226961159
51-553419547403579616561377092
56-6044927616517738087859103576
61-65551377648796548109980130130
66-7086792111437138734158724188709
1 Adult + 2 Kids
18-351846723245279283449340004
36-452375031899387884831456525
46-503259542383497466487276325
51-554050751378604268169496442
56-60536496855980247107857127641
61-65663558451199341135584160939
66-7094121120052141622196887234632
1 Adult + 3 Kids
18-352098225860303983400639418
36-452758934167405934571553397
46-503577449990576986540776968
51-554512061875742188442099723
56-606099984171101303115533136879
61-6581381103259126954145155172457
66-70116107145919180541207087246906
Premiums are exclusive of service tax and cess