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Chola MS Individual Healthline- Advanced

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 customercare@cholams.murugappa.com
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 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.