Chola MS Individual Healthline- Advanced

Policy Details

Eligibility
Entry Age (years)
Minimum	18; 3 Months for Children
Maximum	65, 35 years for dependent female child and 25 years for dependent male child
Maximum Policy Renewal Age (years)	Lifetime
Coverage Type	Individual/ family
Sum Insured (Rs)
Maximum	10 lakh
Minimum	4.50 lakh
No Claim Bonus	5% of Sum Insured for each claim free year
Pre Policy Medical Check Up	Not required upto 55 years of age
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://www.cholainsurance.com/nwhosp/
Policy Term (years)	1

Scope Of Cover
Cashless facility	available at network hospital
Reimbursement facility	available if treatment taken in a non-network hospital.
Pre and post hospitalisation	covered from 60 days prior to hospitalisation and upto 90 days after discharge from hospital
Inpatient hospitalisation	covered with sub-limits on certain treatments
Room, Boarding & Nursing Expenses	Sum 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 Procedures	141 in number are covered
Daily Cash for choosing shared accommodation	Rs 500 / day for a maximum of 14 days with 1 day deductible
General Health Check up & Eye Examination	covered
Emergency ambulance	Rs 3000 per insured per policy year
Minor Accompaniment Daily Cash	Rs250 / day for a maximum of 14 days with 1 day deductible
Home Hospitalization	Up to 25% of SI (Maximum of Rs 1 lakh)
Maternity Expenses	Rs25,000 for normal & Rs 40,000 for caesarean
Ayurvedic Treatments	Up to 7.5% of SI (specifictreatments only) and 20% co-payment
OPD Dental	1% 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 diseases	not covered uto 48 months of continuous coverage from first policy year
No claim Period	30 days from commencement of the policy
Waiting period	Maternity 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.