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Chola MS Individual Healthline- Superior

Objective

An online health insurance policy that covers hoapitalisation expenses and maternity expenses as well.


Suited for

This policy is useful for young individuals females as it covers maternity expenses as well.


What does it do?

This is the second variant of this policy. Besides hospitalization expenses it will cover maternity expenses after a waiting period of five years. 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.


Pros

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.


Cons

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


Our View

This is a decent policy. Capping on room rent and boarding expenses is a drawback. This policy is meant for young females who have time to plan their babies as it covers maternity expenses after a waiting period of five continuous policy years.

Eligibility
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
Minimum3 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
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 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 with sub-limits on certain treatments
Room, Boarding & Nursing ExpensesAC single room up to Rs3000 per day
Day Care Procedures141 in number are covered
Daily Cash for choosing shared accommodationRs 500 / day for a maximum of 7 days with 1 day deductible
General Health Check up & Eye Examinationcovered
Emergency ambulanceRs 2000 per insured per policy year
Minor Accompaniment Daily CashRS250 / day for a maximum of 7 days with 1 day deductible
Home Hospitalization15% of SI (Maximum of Rs 70,000)
Maternity ExpensesRs15,000 for normal & Rs 25,000 for caesarean
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 lakh6 lakh8 lakh10 lakh
2 Adults
18-359359125211740220902
36-4512963173432455229624
46-5020579280304062748991
51-5525441324134982359958
56-6035640455156697080328
61-65445935731684239102112
66-706444683481123772150459
2 Adults + 1 Kid
18-3511606150782077424378
36-4515160203272867433799
46-5024705337724237450136
51-5529888381865253962525
56-6039907510527276686333
61-65513806617390789107967
66-7072749943371312201,75,850
2 Adults + 2 Kids
18-3512567163102365427479
36-4517350227933106636194
46-5027275348134565455389
51-5537995488696089671469
56-6050897655338160895837
61-656483383900104741123273
66-7098703128538160959189952
2 Adults + 3 Kids
18-3516039194772653431946
36-4523714267393650144114
46-5036171465365795768035
51-5546593601997516588392
56-606421883087103715122055
61-6579547103289129158152232
66-70114153148895186596220357
2 Adults + 1 Kid
18-359229115951468017447
36-4512109158862037824375
46-5018378230902843033016
51-5523256294463643642460
56-6032580413975121359788
61-6541711534326637177768
66-70616267968099430116979
1 Adult + 2 Kids
18-3510922136711851423117
36-4514707186492693533726
46-5020850270633704344300
51-5526786345444566054596
56-6036710473216247374044
61-6545747596647805692763
66-706616887009113172134615
1 Adult + 3 Kids
18-3511926159592099625640
36-4516339204742513329158
46-5026781341634237449553
51-5533082423955274361800
56-6044569571967110883384
61-65553747143689044104657
66-7080165104109130195153466
Premiums are exclusive of service tax and cess