Chola MS Family Healthline- Superior

Entry Age (years)  
Minimum 18; 3 Months for Children
Maximum 65; 35 for Children
Maximum Policy Renewal Age (years) Lifetime renewal
Coverage Type Family floater
Sum Insured (Rs)  
Maximum 10 lakh
Minimum 4 lakh
Policy Term (years) 1
No Claim Bonus 5% of Sum Insured for each claim free year
Pre Policy Medical Check Up Not required upto 55 years of age
Grace Period for Policy Renewal 15 days
Co Payment Clause Policyholder has to bear 10% of the admissible claim amount
Policy Termination Either 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  
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://
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 7 days with 1 day deductible
General health check-up & eye examination0.75% of Sum Insured per family
Emergency ambulance2000
Home hospitalizationupto 15% of Sum Insured maximum of Rs 70000
Maternity expensesRs 15000 for normal delivery and Rs 25000 for caesarean
Minor accompaniment daily cashRs 250 per day for max 7 days with 1 day deductible
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 ExclusionsNaturopathy Cosmetic, beauty or slimming treatment.AIDS or any related illnessTreatment of any mental or related disease