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

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

Health Insurance Calculator

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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.

Tax Save
Save Tax upto ₹75000*
Under Section 80D

*Tax benefits are subject to changes in Income Tax Act.

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 PlanSum Insured
Flexi Supreme Check Premium
Arogya Sanjeevani Policy Min: 3 months; Max: 65 years1 Lakh - 5 Lakh Check Premium
COVID-19 PolicyMin: 3 months; Max: 65 years1 Lakh - 5 Lakh Check Premium
Accident Protection PolicyMin: 6 months; Max: 69 years5 Lakh - 1 Crore Check Premium
Flexi Health PolicyMin: 3 months; Max: 65 years1 Lakh - 25 Lakh Check Premium
Corona Rakshak PolicyMin: 18 years; Max: 65 years50,000 - 2.5 lakh Check Premium
Corona Kavach PolicyMin: 1 day; Max: 65 years50,000 - 5 lakh Check Premium
Hospital Cash Healthline PolicyMIn: 3 Months; Max: 65 Years1000/day Check Premium
Critical Healthline PolicyMIn: 5 Years; Max: 65 Years3 Lakh Check Premium
Healthline Policy Min: 90 Days; Max: 65 Years1 Lakh Check Premium

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Cholamandalam MS Health Insurance User Reviews

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  • Buying a health insurance plan from InsuranceDekho is highly smooth and easy. I bought the Chola MS Health Ins...

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    Cholamandalam MS
    By Ankush Rao
    On: Mar 11, 2024
  • InsuranceDekho is the best online insurance company I have ever seen. I loved my purchase of the Chola MS Heal...

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    M
    Cholamandalam MS
    By Muskan Jangra
    On: Mar 08, 2024
  • InsuranceDekho is a good site to compare top insurance companies. I compared the companies at my own pace as p...

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    Cholamandalam MS
    By Rupam Narula
    On: Feb 29, 2024
  • The 24x7 helping policy of InsuranceDekho is superb. I got the flexibility to reach the support team at any ti...

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    Cholamandalam MS
    By Chetan Dikshit
    On: Feb 09, 2024
  • I bought the Cholamandalam MS health insurance Plan from InsuranceDekho. I am pleased with my experience buyin...

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    Cholamandalam MS
    By Shivam Verma
    On: Dec 12, 2023