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Chola MS Individual Healthline- Advanced


An online health insurance policy that covers maternity expenses and OPD treatment .

Suited for

It is available as an individual cover. A family can also be covered but on an individual sum insured basis. This policy is more suitable for young females as it covers maternity expenses as well.

What does it do?

This is the third and most comprehensive variant of this policy. Besides hospitalization expenses, it also covers maternity expenses, Ayurvedic treatment, Out patient treatment, and external aids like spectacles, hearing aids. All the benefits under this policy are constrained to sub-limits as mentioned in policy document. It also covers day care treatment, daily cash benefit, home hospitalisation and ambulance services. Chola Wellness Services that send policy related alerts and reminders can also be added by paying an extra premium.
This poilicy can be bought as an individual cover or as a a family policy but it will cover all family members on an individual sum insured basis.


It can be purchased online through company's website.
It allows lifetime renewal.
Policy premium qualifies for taxation benefit under section 80D of Income Tax Act.


Each benefit is capped to some specific amount or percentage of sum insured.

Our View

It allows customizing the policy as per one's requirement and providing lifelong renewals to its policyholders. Advanced variant is an all-inclusive health insurance policy. It covers broad variety of health related risks upto a sum as huge as Rs 10 lakh. Sub-limit on benefits act as a drawback.

Entry Age (years) 
Minimum18; 3 Months for Children
Maximum65, 35 years for dependent female child and 25 years for dependent male child
Maximum Policy Renewal Age (years)Lifetime
Coverage TypeIndividual/ family
Sum Insured (Rs) 
Maximum10 lakh
Minimum4.50 lakh
No Claim Bonus5% of Sum Insured for each claim free year
Pre Policy Medical Check UpNot required upto 55 years of age
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/
Policy Term (years)1
Additions to the Plan
Scope Of Cover
Cashless facilityavailable at network hospital
Reimbursement facilityavailable if treatment taken in a non-network hospital.
Pre and post hospitalisationcovered from 60 days prior to hospitalisation and upto 90 days after discharge from hospital
Inpatient hospitalisationcovered with sub-limits on certain treatments
Room, Boarding & Nursing ExpensesSum Insured Rs4.5/5.5 Lakhs - AC single room up to Rs3000 per day; Sum Insured Rs 7.5 & 10 Lakhs: Maximum 1% of the Sum insured
Day Care Procedures141 in number are covered
Daily Cash for choosing shared accommodationRs 500 / day for a maximum of 14 days with 1 day deductible
General Health Check up & Eye Examinationcovered
Emergency ambulanceRs 3000 per insured per policy year
Minor Accompaniment Daily CashRs250 / day for a maximum of 14 days with 1 day deductible
Home HospitalizationUp to 25% of SI (Maximum of Rs 1 lakh)
Maternity ExpensesRs25,000 for normal & Rs 40,000 for caesarean
Ayurvedic TreatmentsUp to 7.5% of SI (specifictreatments only) and 20% co-payment
OPD Dental1% of SI -Maximum of Rs5000 with 30% co-payment
External aids (Specs, Contact lens, Hearing aids)1% of SI -Maximum of Rs5000 once in a block of 2 years with 30% co-payment by insured
Exclusions and Waiting Period
Pre-existing diseasesnot covered uto 48 months of continuous coverage from first policy year
No claim Period30 days from commencement of the policy
Waiting periodMaternity expenses will be covered after a waiting period of five years.Certain illnesses such as cataract, hernia, sinusitis etc. will be covered after one year from commencement of the insurance policy.Certain illnesses such as spondilitis, heart disease, gout & rheumatism etc. after 2 years have elapsed since inception of the policy.
Annual Premium
Age (in years)Sum Insured (in Rs)
4.50 lakh5.50 lakh7.50 lakh10 lakh
< 184735523057197121
18 - 25829990951008012509
26 - 309187100911118514041
31 - 3510077110871229115574
36 - 4011992132351469818662
41 - 4513087144611605920549
46 - 5014939167531884724753
51 - 5517383194942188828970
56 - 6026517293603265642320
61 - 6530971343513819650001
Chola Wellness Service (Optional)Rs 500 per Individual
Premiums are exclusive of service tax and cess