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Cholamandalam MS Health Insurance for Individual

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Highlights
Claim SettlementDedicated Team
Claim Settlement Ratio95%
COVID-19 CoverYes
Network Hospitals8,000+
Policies Sold1,03,232
RenewabilityLifelong

Cholamandalam MS : Health Insurance for Individual

Chola MS Healthline is a comprehensive heath insurance plan that supports one in case of a medical emergency. Offering medical coverage for hospitalisation expenses, the policy can be availed on both, individual as well as family floater sum insured basis. Available under 4 variants, namely Value, Freedom, Enrich, and Privilege, Chola Healthline Insurance is an ideal health insurance for individual that allows coverage for parents, parents-in-law and siblings as well.

Key Features

  • Extensive coverage
  • Lifelong renewal
  • Policy term - 1 year, 2 years and 3 years
  • Policy type available - Individual and family floater basis
  • Variants offered - Value, Freedom, Enrich, and Privilege
  • Sum insured ranges between Rs. 1 Lakh to Rs. 25 Lakh
  • Discount on long term policy purchase- 6% on 2-year policy & 12% on 3-year policy
  • 10% discount on the premium for Insured from Tier 2 locations

Scope of Coverage

  • In-patient hospitalisation expenses
  • Pre & post hospitalisation expenses (as per plan opted for)
  • Maximum 7 days domiciliary hospitalisation expenses per insured person per policy year
  • AYUSH coverage
  • Organ donor hospitalisation
  • Emergency ambulance expenses per hospitalisation
  • Cumulative bonus - 5% of Sum Insured every claim free year subject to maximum of 25%, 50%, or 100% of Sum Insured (depending upon plan chosen)
  • Maternity expenses & newborn baby hospitalisation (Privilege Healthline variant)

Eligibility

The minimum entry age for Chola MS Healthline policy is 90 days. Whereas, the maximum entry age for the policy is 65 years.

Exclusions

  • Non-medical expenses during hospitalisation
  • Committing or attempting to commit a breach of law with criminal intent
  • Vaccination or inoculation, unless forming a part of post-animal bite treatment
  • Intentional self-injury or attempted suicide, whether sane or insane
  • War or any act of war, invasion, hostilities, act of foreign enemies

Want to uncover additional benefits and other significant details of Chola MS Healthline? Get in touch with InsuranceDekho experts at 1800 1205 698 to uncover more about the best health insurance for individuals.

Cholamandalam MS Health Insurance Plans For Individual

    Name of PlanSum Insured
    Healthline Policy Min: 90 Days; Max: 65 Years1 Lakh Get Quotes Now
    Hospital Cash Healthline PolicyMIn: 3 Months; Max: 65 Years1000/day Get Quotes Now

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    Disclaimer : Actual Premium might vary basis your location, age and number of members

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    Cholamandalam MS Health Insurance Contact Details

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    Claim Process at Cholamandalam MS 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.

    FAQ About Cholamandalam MS Health Insurance

    • What is the maximum amount of sum insured offered by Cholamandalam MS for its individual plans?

      Cholamandalam MS offers the sum insured amount for individuals from Rs. 1 lakh to Rs. 25 lakh.

    • Is any free look period option available under the individual policy of Cholamandalam MS?

      Yes, a 15 day period is allowed from the date of receipt of policy to review the terms and conditions of the policy and to return the same, if not acceptable. 

    • Does Cholamandalam MS offer the health checkup expenses to individuals owning an individual plan?

      Yes, under three plans of Cholamandalam Healthline which are Freedom Healthline, Enrich Healthline and Privilege Healthline, the health checkup expenses are covered once after 3, 2 and 2 claim-free years, respectively. 

    • Who should buy Cholamandalam MS individual health insurance plan?

      Any individual below 65 years of age can buy Cholamandalam MS individual health insurance Healthline Policy to get themselves covered on an individual sum insured basis. The policy is available in 4 variants and covers the medical expenses of the insured individual in a comprehensive form. Thus, any person who needs health and financial security can buy this plan. 

    • Can I change the sum assured during Cholamandalam MS individual health insurance tenure?

      If you have Cholamandalam MS individual health insurance and want to change the sum insured amount, it is advisable to wait until the policy renewal time. Remember, health insurance policies, Chola MS as well does not allow any changes to be done during the policy tenure.