Compare & Buy Car, Bike and Health Insurance Online - InsuranceDekho
Claim, renew, manage & moreLogin
Hurry Up!
Save upto ₹75,000 on taxes in 80D. Buy a health insurance now!
View Plans

Cholamandalam MS Critical Healthline Health Insurance

137 reviews Rate This
Cholamandalam Health Insurance
Critical Healthline Policy
Cashless Approval TAT70 mins Cashless Claim Processing
Claim Settlement Ratio94%
Network Hospitals11,000+
Pre-existing Disease Waiting Period3 years
Special BenefitsHigh Coverage
Starting Premium of Rs. 5 lakhs SIRs. 407/month

About Cholamandalam MS Critical Healthline Health Insurance

Chola MS Critical Healthline is a policy framed to offer a lump sum amount, which is fixed and equals to the sum insured, to its policyholders on the diagnosis of any critical illness. The amount provided in a lump sum is offered irrespective of the expenses incurred during the hospitalisation or recovery period. The cost of hospitalisation for the treatment of any critical illness could be as high as the sky. It could not only dig a hole in your savings but can also affect your domestic expenses. Therefore, the lump sum amount will assist in overcoming the monetary loss in addition to the hospitalisation expense.

The Critical Healthline plan is available in two variants, namely Chola MS Standard Critical Healthline and Chola MS Advanced Critical Healthline. The major difference between the two medical insurance policies is of the number of illnesses covered by them. Both the plans acquire a sum insured from Rs. 3 Lakh to Rs. 10 Lakh and offer the waiting period of 90days from the commencement of the plan. The entry age to get this plan starts from 5 years to 65 years, where no medical screening is required up to 55 years of age. Besides, the plan tries to look after ayurvedic treatments, maternity expenses, and so on.

Health Insurance Calculator

Whom do you want the insurance for ?


Select the age of all members

  • You

Where do you live ?

Choose required Coverage for yourself?

2 Lac
3 Lac
5 Lac
10 Lac
25 Lac
Disclaimer : Actual Premium might vary basis your location, age and number of members
Need help?

Get FREE Personalized Insurance Advice At Your Home

Key Inclusions and Exclusions of the Plan

What's Included

  • Availability of lifetime renewability option
  • Coverage for 10 listed critical illnesses under Standard Plan
  • Coverage for 12 listed critical illnesses under Advanced Plan
  • Coverage for ambulance charges up to Rs. 1000 under Advanced Plan
  • Coverage under varied sum insured options - Rs. 3 Lakh, Rs. 5 Lakh and Rs. 10 Lakh

What's Not Included

  • Treatment of any critical ailment arising due to any pre-existing disease
  • If an insured individual dies before the survival period specified for a specific illness
  • Treatment due to self-injury or any self-inflicting action
  • Critical Illness diagnosed within the first 90 days
  • Treatment due to misuse of intoxicating drugs and/or alcohol

Critical Healthline Policy User Reviews

Write your review
What users are saying
  • All
  • I bought this plan from InsuranceDekho company. I was searching for a good critical plan they suggested me thi...

    Read More
    By Ishaan Tiwari
    On: Feb 27, 2020
  • Being a responsible health insurer, the Chola MS company has helped me find the best possible critical illness...

    Read More
    By Anant Prakash Jha
    On: Feb 27, 2020
  • It is a beneficial, affordable and supportive plan. I purchased it a year back through, and...

    Read More
    By Varun Rathore
    On: Feb 07, 2020
  • This plan is a help to anyone and everyone get to diagnosed with a critical illness. I used this plan for more...

    Read More
    By Vikas Tyagi
    On: Feb 07, 2020
  • I purchased this plan from Insurance Dekho company. I was in search of a plan that could easily look after my ...

    Read More
    By Simran Kalsi
    On: Jan 28, 2020

Cholamandalam MS Critical Healthline Policy Expert Review

  • Expert Review

    Being diagnosed with a critical illness can leave one devastated. Be it in terms of health or finance, one becomes concerned about their future when face-to-face with a serious medical condition. Chola MS, being the responsible insurer, brings forth Chola MS Critical Healthline for those who don’t want to end up financially, mentally, and physically exhausted while struggling with a critical disease. If considering this policy for yourself, go ahead as it is definitely worthwhile.

    To begin with the policy details, Chola MS Critical Healthline allows coverage to anyone belonging to the age range that starts with 5 years and goes up to 65 years. Available for self, spouse, and dependent children, the policy comes in two plan options, namely Standard Plan and Advanced Plan, having their own specific features and benefits. As far as the sum insured option range is concerned, it starts from Rs. 3 Lakh and goes up to Rs. 10 Lakh. Overall, Chola MS Critical Healthline is a dependable critical illness insurance that lets you stay free from financial burden that comes with critical illness while allowing you to undergo uninterrupted treatment & receive the best possible care.

  • Major Attractions

    Chola MS Critical Healthline is a gem in the entire product collection by the insurer. The policy offered is of great importance for those who fear loss of job, mortgage repayment, education expense, and other financial hardships that may occur during this time. Ensuring financial stability and peace of mind to the insured, Chola MS Critical Healthline provides -

    • Vast coverage at low premium
    • Lump sum payment provided
    • Coverage for 10 critical illnesses - Standard Plan
    • Coverage for 12 critical illnesses plus ambulance charges up to Rs. 1000 - Advanced Plan
    • Cancer of Specified Severity, Myocardial Infarction, Stroke Resulting in Permanent Symptoms, and others covered (Standard Critical Healthline)
    • Coverage for Motor Neuron Disease with Permanent Symptoms and Parkinson’s Disease along with 10 illnesses covered in Standard plan (Advanced Critical Healthline) 
    • No medical screening up to the age of 55 years
    • Cost of pre-policy checkup reimbursed, up to 50% on issuance of policy
  • What’s More?

    Considering key needs of the insured in an unmatched way, Chola MS Critical Healthline comes across as the ultimate support one can rely during a critical situation. Offering multiple features and benefits that allow one to focus on treatment rather than medical bills, Critical Healthline is also a combination of -

    • Guaranteed lifelong renewal 
    • 30 days grace period for renewal
    • 15 days free look period
    • Easy policy portability
    • Hassle-free claim settlement process
    • Tax benefits of up to Rs. 25,000 under Section 80D of the Income Tax Act
  • Conclusion

    To conclude, if you want to prevent financial hurdles that come with critical illnesses, opt for Chola MS Critical Healthline without giving it a second thought. Rest assured, this policy has really got you covered.

    When planning to buy Critical Healthline, choose the online purchase mode so that you don’t have to wait for long to get your policy issued. Moreover, go ahead and choose InsuranceDekho to buy the policy and gain policy portability, policy transparency, claim settlement support, and added support & benefits in return. 

Cholamandalam MS Critical Healthline Policy Brochure

  • 3.53 MB
  • PDF Document
  • Jul 11, 2019

Claim Process at Cholamandalam Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 48 hours and for planned hospitalisation intimate within 72 hours prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 48 hours and for planned hospitalisation intimate within 72 hours prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Critical Healthline Policy Health Insurance Plan

  • Who is eligible to get covered under the Chola MS Critical Healthline plan?

    People up to the age of 65 years are eligible to find coverage in the Chola MS Critical Healthline plan.

  • If I don’t like the policy after purchasing it, what can be done then?

    For such situations, the plan offers a free look period to its policyholders. Under this period, 15 days from the date of receipt of the plan are given to review all the terms and conditions of the policy and return it if found unsuitable.

  • What are the sum insured options offered under the Chola MS Critical Healthline plan?

    The sum insured options of Chola MS Critical Healthline Policy are of Rs. 3 Lakh, Rs. 5 Lakh, and Rs. 10 Lakh.

  • Do everyone needs to go through a medical test to buy the Chola MS Critical Healthline Plan?

    No, only people above 55 years of age are required to go through the medical screening before purchasing Critical Healthline Plan.

  • For how long the Chola MS Critical Healthline Policy can be renewed?

    The plan is available with a lifelong renewability option, thus it can be renewed for a lifetime.

View More Questions

Health Insurance Articles

  • Latest Articles
  • Popular Articles