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Cholamandalam MS Health Insurance Top-up & Super Top-up Plans
Highlights
Cashless Approval TAT | 70 mins Cashless Claim Processing |
Claim Settlement Ratio | 94% |
Network Hospitals | 11,000+ |
Pre-existing Disease Waiting Period | 3 years |
Special Benefits | High Coverage |
Starting Premium of Rs. 5 lakhs SI | Rs. 407/month |
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Top-up & Super Top-up of Cholamandalam MS Health Insurance
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
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.

Save Tax upto ₹75000*
Under Section 80D
*Tax benefits are subject to changes in Income Tax Act.
Cholamandalam MS Health Insurance Plan List
Name of Plan | Sum Insured | |
Arogya Sanjeevani Policy Min: 3 months; Max: 65 years | 1 Lakh - 5 Lakh | Check Premium |
COVID-19 PolicyMin: 3 months; Max: 65 years | 1 Lakh - 5 Lakh | Check Premium |
Healthline Policy Min: 90 Days; Max: 65 Years | 1 Lakh | Check Premium |
Critical Healthline PolicyMIn: 5 Years; Max: 65 Years | 3 Lakh | Check Premium |
Hospital Cash Healthline PolicyMIn: 3 Months; Max: 65 Years | 1000/day | Check Premium |
Corona Kavach PolicyMin: 1 day; Max: 65 years | 50,000 - 5 lakh | Check Premium |
Corona Rakshak PolicyMin: 18 years; Max: 65 years | 50,000 - 2.5 lakh | Check Premium |
Flexi Health PolicyMin: 3 months; Max: 65 years | 1 Lakh - 25 Lakh | Check Premium |
Accident Protection PolicyMin: 6 months; Max: 69 years | 5 Lakh - 1 Crore | Check Premium |
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