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Reasons to Buy Chola MS’s Healthline Policy

Published On Dec 15, 2020 5:30 AM By Sakshi Aggarwal

A single medical emergency can bankrupt the entire family, putting them in serious financial debt. A medical insurance policy should also pay for medical expenses during unforeseeable conditions. The Chola MS’s Health Insurance policy is a comprehensive medical insurance plan that pays for an array of medical expenses starting from diagnostic procedures to in-patient treatment. This is a fixed medical benefits policy for the entire family with flexible insurance options for critical illnesses according to its policy statement.

The Chola Healthline is a comprehensive health insurance that renders comprehensive insurance coverage for the individual, spouse, dependent children, parents, siblings, and even the parents-in-law based on floater sum insurance. The policy also includes in-patient hospitalization on reimbursement or cashless basis. The sum insured under this policy increases annually to a certain percentage depending on the plan chosen. The sum insured for the Chola HealthLine scheme ranges between Rs. 1 and 25 Lakhs, depending on the plan.

Benefits of Chola MS Healthline Policy

Chola Healthline insurance pays the benefiter on the diagnosis of a critical or life-threatening disease with an amount that equals the sum insured. The other benefits of this Medical insurance policy are:

1. Basic coverage: Includes hospitalization longer than 24 hours, related medical expenses for 30 to 90 days prior and post-hospitalization, AYUSH coverage, Domiciliary hospitalization, Ambulance charge, maternity expenses, etc.

2. Family benefits: Allowance for hospitalization of children, payments for OP services, coverage of the accident, and critical illnesses, consultation from a specialist for critical illness.

3. Critical illness: The Chola MS critical Health insurance renders a lump sum of money if the person is diagnosed with any critical illness without any hospital bill to fulfill all financial commitments.

4. Renewable benefits: A part of the sum insured is added as a cumulative bonus for every claim-free. The bonus percentage varies depending on the type of plan one chooses.

Reasons to Choose Chola MS Healthline Policy

The Chola MS Healthline plan has been designed to render comprehensive health care coverage for both individuals and families who are in the age group of 18 to 65 years. This plan offers coverage for more than 141 daycare procedures and in-patient services as well. Insurers can get double the sum insured for accidents and the treatment of critical illnesses. The costs of AYUSH services and domiciliary hospitalization are also covered in this Healthline policy.

This health insurance plan is available in three variants with the maximum sum insured is Rs. 15 lakhs. Pre-policy medical checkup is not mandatory for up to 55 years. This medical insurance from Chola MS renders a lifetime renewability option for continuous coverage and also renders cashless hospitalization in more than 2,600 hospitals.

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Bottom Line

The Chola MS life insurance policy is the best scheme to get cashless hospitalization and treatment for a range of health care problems, including critical illnesses. The plan is also secured under the Income-tax benefits under section 80A of the Income Tax Act.

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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