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Chola MS Top Up Healthline

Eligibility  
Entry Age (years)  
Minimum 18, 3 months for children
Maximum 65; 35 for dependent girl child and 25 for dependent male child
Maximum Policy Renewal Age (years) Life long
Coverage Type Individual/ Family floater
Sum Insured (Rs)  
Maximum 15 lakhs over and above deductible
Minimum 50000 over and above deductible
Policy Term (years) 1 or 2 or 3
Pre Policy Medical Check Up Mandatory beyond 55 years of age. 50% of medical cost will be reimbursed
Grace Period for Policy Renewal 15 days
Policy Termination Policy may be terminated by giving a 15 days written notice by either parties. In case no claim has been made under the policy, a pre defined percentage of premium will be refunded. Insurance company will retain a part of premium for coverage provided.
Customer Service  
Address Cholamandalam MS General Insurance Company Limited
Dare House 2nd floor, No 2 N.S.C. Bose Road, Chennai 600 001
Mail to customercare@cholams.murugappa.com
Call to 1800 200 5544
SMS CHOLA to 56677
Network Hospitals Http://www.cholainsurance.com/nwhosp/
Scope of Cover
Cahless facilityavailable if treatment availed in a cashless hospital
Reimbursement facilityavailable if treatment taken in any other non-empanelled hospital
Pre and post hospitalisationcovers pre hospitalisation for 60 days before hospitalisation upto 5% of admissible claim and post hospitalisation for 90 days upto 10% of admissible claim upto maximum of Rs 50000
Inpatient hospitalisationcovered
Room Rentcovered with sub-limits
Emegency ambulancecovered upto Rs 3000 per hospitalisation
Exclusions and Waiting Period
Pre existing diseaseswill be covered after a period of 4 years of continuous renewal.
No claim period30 days starting from the inception of the policy
Waiting Periodcertain diseases such as cataract, hernia piles etc will be covered after first policy year has elapsed. Other diseases such as hypertension, diabetes, varicose veins etc. will be covered after a waiting period of 2 years.
General ExclusionsExpenses towards out patient treatmentCost of organ transplantDomiciliary treatmentPlastic Surgery, slimming or any other beauty related treatments.All diseases or conditions caused by or related to HIV or AIDS.Naturopathy and non allopathic treatment.Any condition arising due to involvement in any illegal or criminal activity