Chola MS Family Healthline plan Benefits, Features, Buy & Review

Chola MS Family Healthline plan – Chola MS Family Healthline Insurance is a floater plan meant for both ayurvedic and allopathic systems of treatments. Family members such as children and spouse can also be included in one policy. Chola MS family healthline insurance policy provides , spectacles, hearing aids, dental treatments in addition to hospitalization expenses. Chola MS General Insurance Company Limited (IRDA Reg. No. 123) is a strong partnership between Murugappa Group and Mitsui Sumitomo Insurance Group of Japan. Chola MS offers an extensive array of products that include Engineering, Health, Accident, Marine, Motor, Liability, Travel, Property as well as rural insurance for individuals and corporates.

Chola MS’s Family Healthline is a comprehensive family coverage suited for young and growing families. Extensive and versatile, this medical insurance plan allows cover for a series of health demands covering Ayurvedic treatments, Maternity, Dental and Eye care beyond standard covers provided by a regular mediclaim policy. It includes you, your spouse and children with a Floater Sum Insured that allows any family member to claim up to its limit.

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Chola MS Family Healthline plan

Cholamandalam Health Insurance provides financial assistance to individuals and families against medical expenses incurred on the treatment of diseases, such as cancer and COVID-19. Health plans by Cholamandalam MS General Insurance Company offer coverage for hospitalization,AYUSH treatments, day care procedures, ambulance charges, and organ donor expenses amongst others. Moreover, customized plans for vector-borne diseases and critical illnesses are also available.

Cholamandalam MS General Insurance Company is a joint venture between India-based Murugappa Group and Japan-based Mitsui Sumitomo Insurance Company. It offers a variety of insurance products to its customers, including health insurance, and has about 156 branches across the country. Cholamandalam MS General Insurance Company aims to bring excellent health care services within the reach of the common man. Moreover, the company enjoys a claim settlement ratio of 95% (2018-19).

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Chola MS Family Healthline plan

Details Chola MS Family Healthline plan

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About Cholamandalam MS Healthline Health Insurance

Chola MS Healthline is a plan designed with a comprehensive approach to providing medical coverage for hospitalisation expenses for individuals and families. With this policy, one can cover himself or herself in addition to spouse and dependent children. While selecting the plan on an individual basis policyholders can incorporate their parents, parent-in-law, siblings etc. People between the age group of 18 years and 65 years can get covered under this plan. The health insurance policy is available with the sum insured options ranging from Rs. 1 Lakh to Rs. 25 Lakh under different names. The four different plans available are Value Healthline, Freedom Healthline, Enrich Healthline, and Privilege Healthline.

The sum insured amount of the policy enhances by a particular rate every year if no claim is made, according to the plan selected. The plan offers coverage for at least 24 hours in-patient hospitalisation on Cashless or Reimbursement claim basis. An extensive array of benefits provided by this plan comprise of daycare treatment coverage; option to increase the sum insured; grace period option; discounts on long-term plan purchase; outpatient coverage for specs, contact lens, hearing aids, dental and so on.

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Key Features of Cholamandalam Health Insurance Plans

If you’re looking for an affordable health insurance plan that covers a wide range of medical expenses, you may want to consider cholamandalam health insurance plans. These plans are available in various states in India, and offer comprehensive coverage that can help you avoid high healthcare costs. In this article, we’ll outline the key features of cholamandalam health insurance plans, and explain why they’re such a good option for people who want affordable health insurance.

Given below are the key features of Cholamandalam Health Insurance plans:

  • New Born Baby Cover from Day 1 – The plan covers a newborn baby from day 1 if the mother has been covered under the policy continuously for 12 months.
  • Restoration of Sum Insured – 100% restoration of the sum insured is provided for unrelated claims in case the sum insured and the cumulative bonus have exhausted or is insufficient.
  • Additional Sum Insured for Road Traffic Accidents– The policyholder is entitled to an additional sum insured amount up to a maximum of Rs 3 lakh once during the policy period in case of road traffic accident claims.
  • Free Health Check-up – The policy offers free health check-up facilities to the insured at the end of a fixed block of claim-free years.
  • Cashless Hospitalization – Cholamandalam Health insurance plans allow people to avail cashless claims at more than 10,000 network hospitals across the country.
  • Tax Benefits – Customers get a tax benefit on the premiums paid for the Cholamandalam health insurance policies under section 80D of the Income Tax Act.

Chola Healthline Insurance Plan

Cholamandalam Healthline is a comprehensive health insurance plan that covers the medical expenses of individuals and families by offering financial assistance. It is available for sum insured options ranging from Rs 2 lakh to Rs 25 lakh. The plan is available in four different types – Value, Freedom, Enrich and Privilege.

Features and Benefits:

  • No pre-policy health check-up required up to the age of 45 years
  • Coverage for in-patient hospitalization, ambulance service available and pre and post-hospitalization expenses available
  • Day care procedures, domiciliary treatments and AYUSH treatments are covered
  • Treatment expenses for the organ donor at the time of organ transplant are covered
  • Maternity and newborn baby expenses are also covered
  • Double the sum insured amount is available for 14 critical illnesses
  • Free health check-ups are available after a block of claim-free years
  • A 5% cumulative bonus is granted for every claim-free year.


ParametersEligibility Criteria
Minimum Entry AgeAdult – 18 years
Child – 90 days
Siblings – 5 years
Maximum Entry AgeAdult – 65 years
Child – 26 years
Coverage TypeIndividual/ Floater

Chola MS Critical Healthline Insurance Plan

Cholamandalam Critical Healthline Insurance is a fixed benefit health insurance policy that offers coverage for 12 listed critical illnesses. It comes with sum insured options of Rs 3 lakh, Rs 5 lakh and Rs 10 lakh. The plan comes in two types – Standard and Advanced.

Read More-Health Insurance Plans In India 

Features and Benefits:

  • A lump sum payment is made on the diagnosis of 12 critical illnesses.
  • While the Standard plan covers 10 critical illnesses, the Advanced plan covers 12 critical illnesses along with ambulance charges.
  • It offers coverage for 12 critical illnesses, including cancer, stroke, first heart attack, kidney failure, etc. Parkinson’s Disease and Motor Neuron Disease are covered under the Advanced plan only.
  • No pre-medical check-up is required for up to 55 years.


ParametersEligibility Criteria
Minimum Entry Age5 years
Maximum Entry Age65 years
Coverage TypeIndividual

Chola Hospital Cash Healthline Plan

The Cholamandalam Hospital Cash Healthline plan provides coverage for miscellaneous expenses incurred while the insured is hospitalized. It pays a fixed amount ranging from Rs 1000 per day to Rs 3000 per day for every 24 hours of hospitalization. The policy is sub-categorized into six different plans.

Features and Benefits:

  • A hospital cash benefit is paid for each day of hospitalization if the insured is admitted due to sickness.
  • It pays twice the daily hospital cash amount for every 24 hours spent in the hospital ICU.
  • A convalescence benefit is provided in the form of a lump sum amount if the insured is hospitalized for more than 20 continuous days.
  • No pre-policy health check-up is required for up to 55 years
  • Up to 10% family discount is granted if 2 or more than 2 family members are added to the same policy


ParametersEligibility Criteria
Minimum Entry AgeAdult – 18 years
Child – 3 months
Siblings – 5 years
Maximum Entry AgeAdult – 65 years
Child – 26 years (36 years for unmarried daughters)
Coverage TypeIndividual

How to Buy Cholamandalam Health Insurance Plans?

If you’re looking for cholamandalam health insurance plans, you’ve come to the right place. In this post, we will guide you through the process of buying health insurance plans from Cholamandalam. We will discuss the different types of health insurance plans available, and explain how to choose the best one for your needs. We will also provide helpful tips on how to buy health insurance plans from Cholamandalam, so that you can get the best possible deal. So if you’re looking for quality cholamandalam health insurance plans, be sure to read on!

Take a look at the steps to buy a Cholamandalam Health Insurance plan online:

  • Visit the official website of ‘Policybazaar Insurance Brokers Private Limited’
  • Go to the ‘Insurance Products’ tab on the menu bar and click on ‘Health Insurance’
  • Scroll down and click on ‘Cholamandalam Health Insurance on the left-hand side of the page
  • Enter the requested details in the available form and click on ‘View Plans’
  • Choose the family members to be insured and the age of the eldest member
  • Enter your city and details of any medical history
  • Select the Cholamandalam health insurance policy and pay the premium
  • The Cholamandalam MS General Insurance Company will issue the policy.

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How to File Cholamandalam Health Insurance Claims?

If you’ve been injured in an accident and have health insurance, you may be wondering how to file a cholamandalam health insurance claim. This is a type of claim that’s specific to the Tamil Nadu state in India, and it can be a little confusing to understand. In this post, we’ll explain everything you need to know about filing a cholamandalam health insurance claim. We’ll also provide some tips for making the process as smooth as possible for both you and your health insurance company. So whether you’re looking to file a claim or just want to get started, read on!

Both cashless and reimbursement claims can be filed for Cholamandalam health insurance plans. Take a look at the process below:

Cashless Claims Process

  • Inform the Cholamandalam MS General Insurance Company about your emergency hospitalization. In case of planned hospitalization, inform the insurer before hospital admission.
  • Approach the hospital’s insurance desk and inform them about your Cholamandalam health insurance policy. You may be asked to show your insurance policy copy and provide a valid photo id proof.
  • The hospital will send the pre-authorization form to the insurance company within 24 hours for authorization.
  • The insurer will check the documents and grant pre-authorization within 2 hours if the claim is approved. They may also ask for more documents before approval.
  • At the time of discharge, the hospital will share all the necessary documents with the insurance company for final approval.
  • Cholamandalam MS General Insurance Company will review the shared documents, give final approval and pay the final bill amount within 2 hours.

Reimbursement Claims Process

  • Inform the insurance company about the emergency or planned hospitalization at a non-network hospital within the stipulated time.
  • Get treated at the hospital and pay all the bills at the time of hospital discharge
  • Make sure to collect all the documents, medical reports, invoices, and discharge certificate in original from the hospital during discharge.
  • Scan and upload the self-attested claim documents to the insurer’s website within 30 days of getting discharged
  • The Cholamandalam MS General Insurance Company will check the documents and approve the claim within 7 working days.
  • The claim amount will be paid to the policyholder through NEFT.

Documents Required for Cholamandalam Health Insurance Reimbursement Claims

The following documents should be submitted for the reimbursement claim to Cholamandalam MS General Insurance Company:

  • Duly completed and signed claim form in original
  • Original discharge summary on the hospital letterhead with the seal and sign of the doctor with treatment details
  • Original main bill from the hospital with a cost-wise breakup
  • Original payment receipt and investigation reports
  • All pharmacy bills accompanied by relevant prescriptions
  • Implant stickers or invoices wherever applicable
  • In case of a Road traffic accident (RTA), a copy of FIR and/or Medico Legal Certificate (MLC) would be required.
  • Identity proof and residence of the beneficiary for claims above Rs 1 Lakh

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