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Cholamandalam Health Insurance Top-up & Super Top-up Plans

Name: Cholamandalam Health Insurance Top-up & Super Top-up Plans
Brand: Chola Ms
Rating: 4.7027 (148 reviews)

A top-up plan is a health insurance policy that is added to an existing health insurance policy. A prime investment, a top-up plan can help you improve your coverage and manage your money in the case of a medical emergency.The best means to cover up extra costs incurred during a treatment, top-up plan is the ultimate savior that one may require to ensure financial stability. Unlike a regular health insurance plan, a top-up plan comes with a threshold limit, which is applicable to each hospitalisation. It comes across as the perfect back-up, which becomes active on the exhaustion of primary health insurance. All in all, top-up plans are the dependable solution one can rely on to get their needs met.

Talking about the super top-up plan, it ensures financial protection to policyholders from sky-rocketing hospitalisation costs and other medical facilities. Super top-up plan, just like top-up plan helps in maximising coverage. Super top-up plans, on the other hand, cover multiple hospitalisations and focus on the overall claim. In other words, a super top-up plan covers the total cost of all hospitalisation bills beyond the deductible or threshold limit.An excellent way to track health expenses in a planned manner, super top-up plans are a comprehensive and economical shield against the unexpected medical cost, which may be incurred beyond the limit of basic health policy.

1. Chola MS Top-up Healthline

Chola top-up Healthline is a popular top-up plan, which is suitable for both individuals as well as families. The plan comes into effect, when an existing policy runs out of breath. top-up Healthline is a widely sought after top-up plan that is known for handling high medical costs incurred during hospitalisation, with finesse. All in all, it is a top-up policy worth investing in.

Key Benefits of Top-Up Healthline

Top-up Healthline Policy by Cholamandalam MS is easily available on both, individual as well as family floater sum insured basis. Offered in the form of 7 plans with a wide range of sum insured/deductible combinations, the top-up plan covers relationships like self, spouse, and dependent children. While the sum insured range lies between Rs. 50,000 to Rs. 15 lakh, the series of key benefits includes:

Lifelong renewability
In-patient hospitalisation expenses
Pre-hospitalisation and post-hospitalisation expenses
Emergency ambulance charges incurred in India
Tax exemption as per Section 80D of the Income Tax Act, 1961, for up to Rs. 25,000
No pre-policy health check-up for entry up to age 55 years

Who Can Buy this Plan?

Anyone, whether a child or an adult, can purchase Chola top-up Healthline. The minimum age to join the plan is 3 months.Talking about the maximum entry age, it is 65 years.

Waiting Period Under the Plan

Under the Top-Up Healthline Policy, the waiting period for pre-existing diseases is 48 months. Except for hospitalisation due to accidents, there is a 30-day waiting period for any illness.

Renewability of the plan

Chola Top-Up Healthline is available with features of lifelong renewability.

Exclusions Under the Plan

Chola Top-Up Healthline policy does not cover the insured against the following:

Non-allopathic treatments
Dental treatment or surgery of any kind
Congenital illness/diseases/condition which are external
Cost of spectacles, contact lenses, hearing aids, walking aids, and others
Pre-hospitalisation and post-hospitalisation expenses and consequential loss regarding organ donor

2. Cholamandalam MS Super Top-up Insurance

Super top-up policy by Cholamandalam MS is an ideal super top-up plan. Chola Super top-up Insurance comes in two variant options, Premier plan and Supreme plan, that include a wide range of sum insured and deductible options to fulfill the various needs of policyholders.

An excellent choice to make, Chola Super Top-up Insurance covers you and your loved ones, without becoming a financial burden. The policy is an aggregate top-up plan that helps people cover their rising medical costs while maintaining financial security.

Key Benefits of Super Top-Up Insurance

Chola Super Top-up Insurance is a super top-up plan you can rely on without giving it a second thought. The super top-up policy, which provides additional coverage for a lower premium, is the best way to protect oneself from the financial burden of unexpected medical expenses. The super top-up plan, which is provided on an individual and floater sum insured basis, has a broad sum insured range range of Rs. 3 lakh to Rs. 25 lakh.The major benefits that the super top-up plan by Cholamandalam MS covers include:

Organ donor expenses
In-patient hospitalisation
Pre-hospitalisation and post-hospitalisation expenses
Expenses for organ donor for transplant
No medical check-up up to 55 years of age
Tax exemption under Section 80(D) of Income Tax Act

Who Can Buy this Plan?

Chola Super top-up Insurance is available for one and all. Note that while the minimum entry age for the super top-up is 3 months, the maximum entry age is 70 years.

Waiting Period Under the Plan

While the pre-existing disease waiting period is 36 months (Supreme plan) and 48 months (Premier plan) under Chola Super top-up insurance, the initial waiting period for all illnesses, except accidents, is 30 days.Moreover, the specific waiting period for 17 specific diseases is 12 months.

Renewability of the Plan

Chola Super top-up Insurance comes with the element of lifelong renewability.

Exclusions Under the Plan

Chola Super Top-up Insurance comes with the following exclusions:

Unproven/experimental treatment
Vaccination or inoculation and immunisations
Treatment of obesity or any other weight control program
Any physical, psychiatric or psychological examinations or testing
Congenital anomaly, illness, diseases, condition which are external

Whom do you want the insurance for ?

You

Couple

Family

Father

Mother

Enter Your Age

Where do you live ?

Enter Area Pincode

Choose required Coverage for yourself?

5 Lac

10 Lac

25 Lac

Select Coverage

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

Key Features of Cholamandalam MS Critical Illness Insurance Policy

The critical insurance policy by Cholamandalam MS has many more features, such as:

Portability option
Cashless treatment
Lifelong renewability
Claim settlement support
No medical test up to 55 years

With Cholamandalam MS Critical Healthline Policy in hand, your family can handle the situations and live a good life. On the other hand, you can get the best treatment in the best hospital in your area without having to exhaust your savings.

Cholamandalam Health Insurance Plan List

Family (3)
Individual (2)
Critical Illness (1)
Kids (1)
Maternity (1)
Parents (1)
Senior Citizen (1)
Woman (1)

Name of Plan	Sum Insured
Flexi SupremePopular		Check Premium
Arogya Sanjeevani Policy Min: 3 months; Max: 65 yearsPopular	1 Lakh - 5 Lakh	Check Premium
COVID-19 PolicyMin: 3 months; Max: 65 yearsPopular	1 Lakh - 5 Lakh	Check Premium
Accident Protection PolicyMin: 6 months; Max: 69 years	5 Lakh - 1 Crore	Check Premium
Flexi Health PolicyMin: 3 months; Max: 65 years	1 Lakh - 25 Lakh	Check Premium
Corona Rakshak PolicyMin: 18 years; Max: 65 years	50,000 - 2.5 lakh	Check Premium
Corona Kavach PolicyMin: 1 day; Max: 65 years	50,000 - 5 lakh	Check Premium
Hospital Cash Healthline PolicyMIn: 3 Months; Max: 65 Years	1000/day	Check Premium
Critical Healthline PolicyMIn: 5 Years; Max: 65 Years	3 Lakh	Check Premium
Healthline Policy Min: 90 Days; Max: 65 Years	1 Lakh	Check Premium

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User Reviews

4.7

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148 User reviews

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What users are saying

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Critical Illness

Easy Process to Buy a Health P...
Buying Cholamandalam health insurance was a stress-free experience because of InsuranceDekho. Their site made it easy for me to select the best plan by giving me detailed information about Cholamandalam. I liked how open their policies were and how much coverage they provided. I am certain that, with InsuranceDekho's assistance, I chose well in terms of my health insurance requirements.
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A
Cholamandalam MS
By Aman Singla
On: Jul 02, 2024
Easy Comparison and Purchase
The platform made it incredibly easy to compare different health insurance policies. I could see all the details at once, making it simple to make an informed decision. Purchasing Cholamandalam Health Insurance was also a breeze.
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S
Cholamandalam MS
By Sumit Panwar
On: Jul 01, 2024
Network Hospital is located wi...
I'm really delighted with Cholamandalam Health's health insurance policies. I was able to comprehend InsuranceDekho's clear terms and comprehensive coverage with ease. My expectations have been surpassed by their extensive network of hospitals and speedy claim settlement procedure. I rely on Cholamandalam Health to meet all of my medical needs without any unexpected costs.
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A
Cholamandalam MS
By Abhigya Kumar
On: Jun 27, 2024
Website is effective and user-...
Purchasing Cholamandalam Health Insurance from InsuranceDekho was simple and quick. Their website was effective and easy to use in assisting me with locating the appropriate coverage. I heartily suggest their services to anybody searching for a flawless insurance purchase because the entire procedure was simple.
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Cholamandalam MS
By Ria Raj
On: Jun 19, 2024
Customer Service is very helpf...
InsuranceDekho made it simple to get Cholamandalam MS health insurance, and I am pleased with their service. Their policies offer wide coverage, and their immediate claim payouts give me peace of mind. Cholamandalam MS through InsuranceDekho is a dependable option for health coverage.
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Cholamandalam MS
By Rishi Tomar
On: Jun 11, 2024