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

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.

Eligibility:

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.

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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.

Eligibility:

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

Eligibility: