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Cholamandalam MS Healthline Health Insurance

142 reviews Rate This
Cholamandalam Health Insurance
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 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 Inclusions and Exclusions of the Plan

What's Included

  • Specialist opinion for critical illness
  • Coverage for 141 listed daycare procedures
  • Donor expenses cover for organ transplantation
  • Double sum insured for critical illnesses and accidents
  • The cost incurred on domiciliary hospitalisation are covered

What's Not Included

  • Treatment of any disease during the first 30 days
  • Non-medical expenses during hospitalisation
  • Treatment for self-inflicted actions like suicide attempt etc.
  • Injuries caused due to war, invasion, civil war, etc.
  • Vaccination or inoculation but not as a part of animal bite treatment

Healthline Policy User Reviews

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What users are saying
  • All
  • Excellent Network of Hospitals...

    InsuranceDekho has an extensive network of hospitals, and their cashless facility is a game-changer. Whenever I or my family members required medical treatment, we had access to a wide range of hospitals as we were well secured under the Cholamandalam MS- HealthLine Policy where we could avail cashless services. 

    By Udish Iyyer
    On: Jul 13, 2023
  • Recommended Insurance Provider

    The services of InsuranceDekho were outrageous and left me with no words. I bought the Cholamandalam MS- Healthline Policy  from their company’s website. Though I was not had any previous knowledge about the industry the informative website of InsuranceDekho really helped me. Also, the customer service was awesome. The executives were amiable and were available at any time. 

    By Sapna Gulati
    On: Jun 30, 2023
  • Got affordable quotes

    I recently compared the health insurance policies at InsuranceDekho, and the Cholamandalam MS- Healthline Policy stood out due to its affordability without compromising coverage. The quote I received was significantly lower than other insurers, and after switching, I haven't experienced any issues. I'm extremely satisfied with this policy.

    By Sandeep Joshi
    On: Jun 19, 2023
  • First experience with Chola

    I was skeptical about buying Chola Healthline policy. But when insurancedekho expert told me about this affordable policy and its features like cashless treatment, day care coverage, outpatient coverage and more, i was immediately ready to buy it. Thanks insurancedekho for your support!

    By Tanvi Gupta
    On: Oct 30, 2020
  • Pretty good policy!

    This is a plan which is well designed. I am very much satisfied with this plan. It has helped me avoid the payment of hefty medical bills and paid all the bills on my behalf. It is an ideal choice for one and all. If you want to ensure the safety of your family, buy this plan now.

    By Monish Rao
    On: Feb 27, 2020

Cholamandalam MS Healthline Policy Expert Review

  • Expert Review

    Designed following a comprehensive approach, Chola Healthline is a popular plan that provides superior medical coverage for individuals as well as families. The perfect plan to invest in to avoid payment of hefty medical bills, Chola Healthline comes across as an ideal choice for one and all. Rich in features and benefits, this policy is definitely worthwhile if you wish to secure your family’s health and financial stability, no matter how critical the emergency situation gets.

    On exploring the policy, we find that it secures anyone falling between the age range of 18 years to 65 years. What’s best is that you can get dependent children (90 days to 26 years) covered as well. When availed on individual sum insured basis, the policy allows one to include their parents, parents-in-law, and siblings as well, whereas on availing it on family floater basis, Chola Healthline allows you to cover self, spouse, and dependent children. Offered in the form of 4 different plans, namely Value Healthline, Freedom Healthline, Enrich Healthline, and Privilege Healthline having different benefits to provide, the policy covers sum insured range of Rs. 1 Lakh to Rs. 25 Lakh.

  • Major Attractions

    If financial stability is a big issue for you, opting for Chola Healthline will be the best move to make. The policy has an extensive coverage and won’t let you face financial concerns or watch your savings drain off in one go. Inpatient hospitalisation, pre & post hospitalisation expenses, domiciliary hospitalisation, and emergency ambulance expenses are a few major elements covered. The list also includes - 

    • AYUSH coverage 
    • 141 day care procedures  
    • Donor expenses for organ transplantation 
    • Maternity treatment (Privilege plan)
    • New born baby expenses (Privilege plan)
    • Extended hospitalisation allowance (Enrich and Privilege)
    • Double sum insured for accidents and critical illnesses (Enrich and Privilege)
    • Specialist opinion for critical illness (Privilege plan)
    • Child hospitalization allowance per hospitalization (Enrich plan)
    • OPD dental expenses, spectacles, contact lens, hearing aids and health check up (Privilege plan)
  • What’s More?

    Chola Healthline is a complete plan that takes care of one’s requirements to a tee, be it a kid or an adult. Offering multiple benefits regarding expense coverage, the policy also ensures that the insured individual gets to make the most of Chola Healthline by providing benefits including -

    • Lifelong renewal of policy
    • Cumulative bonus 
    • Health checkup expenses (Freedom, Enrich, and Privilege plans)
    • Discount on long term policy purchase - 6% on 2-year policy and 12% on 3-year policy
    • 10% discount on the premium for insured from Tier 2 locations
    • Tax benefits under Section 80D of the Income Tax Act
  • Conclusion

    Chola Healthline is not only a smart decision, but also a great investment, which ensures that your health and financial stability don’t become a subject of compromise, no matter how severe the situation becomes.

    If interested in Chola Healthline, it is advisable to buy it through online mode to enable quick issuance of the policy. You can also prefer going with InsuranceDekho as your platform to benefit with policy portability, policy transparency, claim settlement support, and added support to make the experience complete.

Cholamandalam MS Healthline Policy Brochure

  • 803.64 KB
  • 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 Healthline Policy Health Insurance Plan

  • What are the age eligibility criteria to get covered under the Chola MS Healthline plan?

    Anyone falling between the age group of 18 years and 65 years is eligible to be covered under the plan. In addition to this, up to 4 children are covered from 90 days to 26 years.

  • I want to add my family members in this policy. Can I get them covered?

    Yes, it is possible to get a cover for the complete family under a single sum insured. The members can comprise proposer, spouse, dependent kids, dependent parents, parents-in-law, and siblings on an individual sum insured basis. Whereas, self, spouse, dependent kids are covered on a family floater basis. 

  • Does opinion for critical illness option offered under this policy?

    Yes, the Healthline provides an opinion for critical illness under its Privilege Healthline Plan up to the amount of Rs. 25,000.

  • Do I always need to get hospitalised to get a claim?

    Yes, as the plan doesn’t offer the coverage for out-patient expenses, therefore, policyholders are required to get hospitalised for making a claim. The out-patient expenses are covered only for specs, hearing aids, lenses and so on. 

  • For how long does the insured individual need to be hospitalised to seek claim?

    A policyholder is eligible to request a claim either on a cashless or on a reimbursement basis, only if he/she gets hospitalised for at least 24 hours. Only for daycare treatments, hospitalisation can be lesser than 24 hours. 

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