About Cholamandalam Company

Cholamandalam MS General Insurance Company Limited, better known as Chola MS, is a joint venture between Murugappa Group and Mitsui Sumitomo Insurance Group of Japan. The Company has 105 branches across the country and has been honored with titles like ‘Innovation Leader Award 2012’, ‘Health Insurance Claims Team for the year 2013’ and ‘Financial Innovations Award’ among others.

Chola MS deals in automobile, travel, home and personal accident insurance besides health insurance. In the field of health insurance, Chola MS is known for providing a wide variety of convenient and comprehensive health packages that can be chosen as per need. The option of buying an online health insurance plan makes it all the more simple.

Why Choose Chola MS Health Insurance Plans?

Chola MS works on the core philosophies of trust, transparency, and technology and offers the following benefits in its plans:

Cashless treatment at network hospitals.
Cover for hospitalization as well as pre and post hospitalization charges.
Health check-ups after a block of claim-free years.
Lifetime renewability.
24x7 claim assistance and early claim settlement.
Tax benefits under section 80-D of Income Tax Act.

I. Chola Healthline

This policy is a comprehensive health insurance policy which provides medical cover for an individual and his family on individual as well as floater sum insured basis.

The policy is available as three options:

Value Healthline
Freedom Healthline
Enrich Healthline

Eligibility

Age between 18 years to 65 years.
Medical screening required. Expenses reimbursed up to 50% in Value and Freedom plans and 100% in Enrich plan on approval.

Key Features

Policy is available on individual as well as family floater basis.
Policy term can be 1,2 or 3 years.
Lifetime renewability option is available if premiums are paid regularly without a break.
Different options are available for sum insured in different plans.

Value - Rs. 2 lakhs
Freedom - Rs. 3,5 or 7 lakhs.
Enrich - Rs. 3,5,7.5 or 10 lakhs.

Discount of 6% on a 2-year term and 12% for a 3-year term.
Co-payment of 10% only in the Value Healthline plan.

Benefits

Hospitalization Expenses - The policy covers expenses for hospitalization more than 24 hours.
Pre-hospitalization Charges - For a period of

30 days (Value Plan),
60 days (Freedom & Enrich Plans) before hospitalization.

Post-hospitalization Charges- For a period of

60 days (Value Plan),
90 days (Freedom & Enrich Plans) after hospitalization.

Emergency Ambulance Charges - Up to an amount of

Rs. 1000 (Value Plan).
Rs. 2000 (Freedom & Enrich Plans).

Cumulative Bonus - On the sum insured for every claim free year, of

5% per year, up to a maximum of 25% (Value Plan).
5% per year, up to a maximum of 50% (Freedom Plan).
50% per year, up to a maximum of 100% (Enrich Plan).

Domiciliary Treatment Expenses - For a maximum of 7 days per policy year.
AYUSH Expenses - On treatment under Ayurveda, Unani,Siddha, and Homeopathy
Organ Donor Expenses - In the case of an organ transplant.

Chola Healthline Benefits Organ Donor Expenses

Additional Benefits of Enrich Healthline

Child hospitalization allowance per hospitalization - Up to Rs. 500 per day for 7 days.
Extended hospitalization allowance - Up to Rs. 10000.
Double sum insured - For critical illnesses.

If in case the policy has been taken on a family floater basis, the above mentioned shall represent the maximum liability of the Company for any and all claims made by the insured during the policy period.

Exclusions Under the Policy

The main exclusions under the policy are:

A waiting period of 30 days for all medical conditions except in the case of an accident.
Pre-existing diseases shall be covered after 4 continuous policy years.
A waiting period of 2 years for the following diseases:

Congenital internal disease
Varicose veins
Arthritis of any kind
Treatment of diseases of ear/tonsils/adenoids/paranasal sinuses/nasal septum
Stones in the urinary and biliary system
Gastric and duodenal ulcers
Benign hypertrophy of prostate
Fissures and fistula
Cataract
All types of hernias
Joint replacement surgery, except if due to an accident.

II. Chola Swasth Parivar

This plan takes care of all kinds of medical needs of a family by providing cover for hospitalization expenses for the family on floater basis and personal accident cover on individual sum insured basis.

Chola Swasth Parivar Medcial Needs of a Family

Key Features

Dual protection of hospitalization cover as well as personal accident cover.
Option of choosing from two plans.
No medical check-up required till 55 years of age.
Lifetime renewability.
Tax Exemption under section 80-D of Income Tax Act.

Eligibility

Age between 18 years to 65 years.

Benefits

Benefits under the policy depend on the plan availed.

PEARL PLAN (only section 1 is applicable)
Features	Plan 1	Plan 2	Plan 3
Hospitalization expenses (per family per year)	300000	400000	500000
Compulsory co-payment on every claim	15%
Room rent	1% of sum insured
ICU rent	1.5% of sum insured
Post-Hospitalization	Up to 60 days after discharge
Pre-hospitalization	Up to 30 days before hospitalization
Day care procedures	Covered

ROYALE PLAN (Both section-1 and section-2 are applicable)
Features	Plan 1	Plan 2	Plan 3
Coverage section-1
Hospitalization expenses (per family per year)	300000	400000	500000
Compulsory co-payment	15% on every claim
Room rent	1% of the sum insured
ICU rent	1.5% of the sum insured
Post-hospitalization	Up to 60 days after discharge
Pre-hospitalization	Up to 30 days before hospitalization
Day care procedures	Covered
Coverage section-2
Personal Accident - Self
Death	750000	1000000	1000000
Permanent total disablement	750000	1000000	1000000
Permanent partial disablement	375000	500000	500000
Personal Accident - Spouse
Death	375000	500000	500000
Permanent total disablement	375000	500000	500000
Permanent partial disablement	187000	250000	250000
Personal Accident - Per Child (Maximum 2 Children)
Death	150000	200000	200000
Permanent total disablement	150000	200000	200000
Permanent partial disablement	75000	100000	100000

Exclusions

Mainly, the following are not covered under the policy:

Pre-existing conditions till 4 years of continuous policy period.
Expenses on any medical condition in the first 30 days of the policy. This does not apply to accidents.
Congenital internal disease, treatment of diseases of ear/tonsils/adenoids/paranasal sinuses/nasal septum, Benign hypertrophy of prostate, fissures, and fistula, cataract, all types of hernias, hysterectomy, hydrocele-for 1 year of policy (Royale plan)
Congenital Internal disease, hysterectomy, hydrocele, spondylitis, spondylosis, varicose veins, arthritis of any kind, treatment of diseases of ear/tonsils/adenoids/paranasal sinuses/nasal septum, stones in the urinary and biliary system, gastric and duodenal ulcers, Benign Hypertrophy of Prostate, fissures and fistula, cataract, all types of hernia, joint replacement surgery- for 2 years of policy (Pearl plan).
Intentional self-injury or harm.
Terrorist act.
Participation in any professional sport.

III. Tax Plus Healthline

This is a unique health insurance plan which covers both hospitalization and non-hospitalization (OPD) expenses. It is available on individual as well as family floater basis.

Key Features

It has fixed premium options.
No medical check-up required up to 55 years of age.
Lifetime renewability.
5% claim free bonus per year, up to a maximum of 50%.

Eligibility

Age between 18 years to 65 years.
Self, spouse, parents and dependent children may be covered under the policy.

Benefits

Section-1

Room Rent- Up to 1% of the sum insured.
ICU Rent - Up to 2% of the sum insured.
Pre-hospitalization Expenses - Up to a period of 60 days before hospitalization.
Post-hospitalization Expenses - Up to a period of 90 days after discharge.
Ambulance Charges - In the case of an emergency, up to Rs. 3000.
Sub-limits - There are sub-limits in case of the following conditions:

Cataract - 7.5% of section-1 SI, up to Rs. 20000 (per eye).
Hernia or hydrocele - 10% of section-1 SI, up to Rs.30000.
Fistula, fissures, piles - 10% of section-1 SI, up to Rs.30000.
Sinusitis - 10% of section-1 SI, up to Rs.30000.
Tonsillitis/adenoids - 15% of SI, up to Rs. 40000.

Section-2

The following are covered up to plan limits:

Treatment of illness/injury without hospitalization.
Pre and post-natal expenses.
All pre-existing diseases.
Ayush expenses for treatment under Ayurveda, Siddha and Homeopathy.
Cost of spectacles, contact lenses or hearing aids.
All dental treatment.

Exclusions

The main exclusions under the policy are:

Pre-existing conditions till 4 continuous policy years.
Treatment of any condition/illness in the first 30 days of the policy. It is not applicable in the case of accidents.
Congenital internal disease, treatment of diseases of tonsils/adenoids, benign hypertrophy of prostate, fissures, and fistula, cataract, all types of hernias, hydrocele - till 1 year of the policy.
Hysterectomy, hydrocele, spondylitis, spondylosis, varicose veins, arthritis of any kind, treatment of diseases of ear/tonsils/adenoids/paranasal sinuses/nasal septum, stones in the urinary and biliary system, gastric and duodenal ulcers, benign hypertrophy of prostate, fissures and fistula, cataract, all types of hernia, joint replacement surgery - till 2 years of policy.

IV. Family Healthline Insurance

It is a family floater plan that provides cover for allopathic as well as non-allopathic treatments.

Key Features

Expenses on non-allopathic and allopathic treatments are covered.
Maternity, dental and eye treatment cover available.
Lifetime renewability.
Floater sum assured up to Rs. 15 lakhs.
Direct claim settlement without TPA involvement.

Benefits

The policy is available as three plans and the benefits vary as per chosen plan.

Benefits	Standard	Superior	Advanced
Floater sum insured (in lakhs)	2/3/4/5	4/6/8/10	6/8/10/12/15
Claim free bonus up to 50% of SI	5% of SI every claim free year
Daily cash for shared accommodation (1-day deductible)	Rs. 250/day for maximum 7 days	Rs. 500/day for maximum 7 days	Rs. 500/day for maximum 14 days
Minor accompaniment daily cash (1-day deductible)		Rs. 250/day for maximum 7 days	Rs. 250/day for maximum 14 days
Health check-up & eye examination	0.5% of SI after 2 claim free years	0.75% of SI after 2 claim free years	1% of SI after 2 claim free years
Ambulance	Rs. 1000	Rs. 2000	Rs. 3000
Domiciliary treatment		15% of SI,max Rs. 70000	Up to 25% of SI, max Rs. 1 lakh
Maternity benefits (waiting period - 5 years)		Rs. 15000 for normal & Rs. 25000 for cesarean section	Rs. 25000 for normal & Rs. 40000 for cesarean section
AYUSH treatment			Up to 7.5% of SI for specific treatments only, 20% co-payment
Dental treatment (waiting period -3 years)			Up to 1% of SI, max Rs. 5000 with 30% co-payment
Cost of spectacles, hearing aids, contact lenses			1% of SI, max Rs. 5000 once in a 2-year block, 30% co-payment
Sub-limits	Cataract - 7.5% of SI, max Rs.20000 per eye Hernia/hydrocele - 10% of SI, max Rs. 30000 Fistula/fissures/piles - 10% of SI, max Rs. 30000 Sinusitis - 10% of SI, max Rs. 30000 Tonsillitis/adenoids - 15% of SI, max Rs. 40000	Cataract- 7.5% of SI, max Rs.20000 p	No sub-limits

Exclusions

Pre-existing conditions till 4 continuous policy years.
Treatment of any condition/illness in the first 30 days of the policy. It is not applicable in the case of accidents.
Treatment of diseases of sinusitis, benign hypertrophy of prostate, fissures, and fistula, cataract, all types of hernias, hydrocele - till 1 year of the policy.
Hysterectomy, hydrocele, spondylitis, spondylosis, varicose veins, arthritis of any kind, congenital internal disease, treatment of diseases of ENT, stones in the urinary and biliary system, gastric and duodenal ulcers, benign hypertrophy of prostate, fissures and fistula, cataract, all types of hernia, joint replacement surgery - till 2 years of policy.

V. Individual Healthline

This insurance policy provides a cover not only for the expenses incurred on hospitalization charges but also the incidental expenses.

Key Features

Sum insured up to Rs. 10 lakhs.
Cashless hospitalization at network hospitals.
No medical required up to 55 years of age.
Lifetime renewability

Eligibility

Age between 18 years to 65 years.
Dependent child between 3 months to 35 years (female) or 25 years (male).

Benefits

The benefits vary as per the plan chosen:

Benefits	Standard	Superior	Advanced
Floater sum insured (in lakhs)	1/2/3/4/5	3.5/4.5/5.5	4.5/5.5/7.5/10
Claim free bonus up to 50% of SI	5% of SI every claim free year
Daily cash for shared accommodation (1-day deductible)	Rs. 250/day for maximum 7 days	Rs. 500/day for maximum 7 days	Rs. 500/day for maximum 14 days
Minor accompaniment daily cash (1-day deductible)		Rs. 250/day for maximum 7 days	Rs. 250/day for maximum 14 days
Health check-up & eye examination	0.5% of SI after 2 claim free years	0.75% of SI after 2 claim free years	1% of SI after 2 claim free years
Ambulance	Rs. 1000	Rs. 2000	Rs. 3000
Domiciliary treatment		15% of SI, max Rs. 70000	Up to 25% of SI, max Rs. 1 lakh
Maternity benefits (waiting period - 5 years)		Rs. 15000 for normal & Rs. 25000 for cesarean section	Rs. 25000 for normal & Rs. 40000 for cesarean section
AYUSH treatment			Up to 7.5% of SI for specific treatments only, 20% co-payment
Dental treatment (waiting period -3 years)			Up to 1% of SI, max Rs. 5000 with 30% co-payment
Cost of spectacles, hearing aids, contact lenses			1% of SI, max Rs. 5000 once in a 2-year block, 30% co-payment
Sub-limits	Cataract - 7.5% of SI, max Rs.20000 per eye Hernia/hydrocele - 10% of SI, max Rs. 30000 Fistula/fissures/piles - 10% of SI, max Rs. 30000 Sinusitis - 10% of SI, max Rs. 30000 Tonsillitis/adenoids - 15% of SI, max Rs. 40000	Cataract - 7.5% of SI, m	No sub-limits

Exclusions

Pre-existing conditions till 4 continuous policy years.
Treatment of any condition/illness in the first 30 days of the policy. It is not applicable in the case of accidents.
Treatment of diseases of sinusitis, benign hypertrophy of prostate, fissures, and fistula, cataract, all types of hernias, hydrocele - till 1 year of the policy.
Hysterectomy, hydrocele, spondylitis, spondylosis, varicose veins, arthritis of any kind, congenital Internal disease, treatment of diseases of ENT, stones in the urinary and biliary system, gastric and duodenal ulcers, benign hypertrophy of prostate, fissures and fistula, cataract, all types of hernia, joint replacement surgery - till 2 years of policy.

VI. Chola Topup Healthline

This is a top-up plan that can be taken over and above an insurance policy to provide cover for higher medical expenses.

Key Features

Option to choose from 7 plans.
Available on individual and floater basis.
Policy term of 1/2/3 years can be chosen.
No medical required till 55 years of age.

Eligibility

Age between 18 years to 65 years.
Dependent child between 3 months to 35 years (female) or 25 years (male).

Benefits

The following benefits are available as per the plan chosen:

Plan option	Plan A	Plan B	Plan C	Plan D	Plan E	Plan F	Plan G
Hospitalization sum insured (over deductible)	50000	2 lakhs	3 lakhs	5 lakhs	6 lakhs	10 lakhs	15 lakhs
Deductible	30000	1 lakh	2 lakhs	3 lakhs	4 lakhs	5 lakhs	5 lakhs
Total hospitalization expenses	80000	3 lakhs	5 lakhs	8 lakhs	10 lakhs	15 lakhs	20 lakhs
Room rent	500	2000	4000	5000	6000	7500	10000
Pre-hospitalization expenses	Up to 60 days before hospitalization. Up to 5% of admissible claim hospitalization payable.
Post-hospitalization expenses	Up to 90 days after hospitalization. Up to 10% of admissible claim hospitalization payable or Rs. 50000, whichever is less.
Ambulance	Up to Rs. 3000

Exclusions

Pre-existing conditions till 4 continuous policy years.
Treatment of any condition/illness in the first 30 days of the policy. It is not applicable in the case of accidents.
Treatment of diseases of sinusitis, benign hypertrophy of prostate, fissures, and fistula, cataract, all types of hernias, hydrocele - till 1 year of the policy.
Hysterectomy, hydrocele, spondylitis, spondylosis, varicose veins, arthritis of any kind, congenital Internal disease, treatment of diseases of ENT, stones in the urinary and biliary system, gastric and duodenal ulcers, benign hypertrophy of prostate, fissures and fistula, cataract, all types of hernia, joint replacement surgery - till 2 years of policy.

VII. Critical Healthline Insurance

This insurance policy has been specifically designed to provide financial support in case of diagnosis of 12 listed critical illnesses.

Key Features

Lump sum payment on diagnosis of any of the listed critical illnesses.
No medical required up to 55 years of age.
Lifetime renewability option.
Option to choose from 2 plans.

Eligibility

Age between 18 years to 65 years.
Dependent child between 5 years to 25 years of age may be covered.

Benefits

Sum insured option of 3/5/10 lakhs.
Ambulance charges in the case of emergency - Rs. 1000 in the Advanced plan.
Lump sum amount on the diagnosis of any of the listed critical illnesses as per the plan chosen, after the specified survival period.

There are two options available: Standard and Advanced.

The critical illnesses covered under both plans are:

Standard plan & Advanced plan
Critical illness covered	Survival period
Cancer of specified severity	30 days
First heart attack of specified severity	30 days
Open heart surgery (CABG)	30 days
Stroke resulting in permanent symptoms	90 days
Kidney failure requiring dialysis	30 days
Multiple sclerosis with persisting symptoms	180 days
Permanent paralysis of limbs	180 days
Major organ/bone transplant	30 days
Aortic surgery	30 days
Primary pulmonary hypertension	30 days

The following are additionally covered in the Advanced plan:

Only in Advanced plan
Critical illness covered	Survival period
Parkinson’s disease	180 days
Motor neuron disease	90 days

Exclusions

The main exclusions under the policy are:

Any critical illness diagnosed in the first 90 days of the policy.
Any critical illness arising due to a pre-existing condition.
Intentional self-harm.
The death of insured before survival period.

VIII. Hospital Cash Healthline

This policy provides a fixed daily allowance for every completed 24 hours of hospitalization to cover the related miscellaneous expenses.

Key Features

Daily cash as well as convalescence benefit.
Option to choose from 3 plans.
No medical required till 55 years of age.
10% family discount on premium.
Lifetime renewability.

Eligibility

Age between 18 years to 65 years.
Dependent child between 3 months to 36 years can be covered.

Benefits

The benefits vary as per the plan chosen:

Benefits	Plan A	Plan B	Plan C
Hospitalization daily cash (per day), maximum 20 days	1000	2000	3000
ICU benefit (per day)	2000	4000	6000
Convalescence benefit	10000	15000	20000

Exclusions

Pre-existing conditions till 4 continuous policy years.
Treatment of any condition/illness in the first 30 days of the policy. It is not applicable in the case of accidents.
Treatment of diseases of sinusitis, benign hypertrophy of prostate, fissures, and fistula, cataract, all types of hernias, hydrocele - till 1 year of the policy.
Hysterectomy, hydrocele, spondylitis, spondylosis, varicose veins, arthritis of any kind, congenital Internal disease, treatment of diseases of ENT, stones in the urinary and biliary system, gastric and duodenal ulcers, benign hypertrophy of prostate, fissures and fistula, cataract, all types of hernia, joint replacement surgery - till 2 years of policy.

IX. Chola Accident Protection

Besides health insurance plans, Chola MS also offers accident protection plan which provides financial security in the case of an accident.

Key Features

Daily cash benefits for hospitalization.
Compensation for loss of income due to disability.
Coverage on a worldwide basis.

Eligibility

Age between 18 years to 69 years of age.
Dependent children up to 25 years of age can be covered.

Benefits

Hospital Daily Cash - For hospitalization due to an accident.
Disability Compensation - A weekly compensation for loss of income due to disability.
Fracture Compensation - A fixed compensation is given for fracture of bones due to an accident.
Private Tuition Fee - In case the insured cannot attend school/college due to disability.
Family Transportation - To the location of the insured in case of death/total permanent disability.
Transport of Mortal Remains - In the event of death, from the accident site to the hospital/home/crematorium.
Death Compensation - In the case of death of the insured, the nominee is paid the sum insured.
Permanent Total Disability - In the case of permanent total disability (as defined in the policy document), compensation of 100% of sum insured is given.
Permanent Partial Disability - In the case of permanent partial disability (as defined in the policy document), compensation is paid as a specified percentage of the sum insured, as per the disability.