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

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Highlights
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

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

    Cholamandalam MS Health Insurance User Reviews

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    • The Cholamandalam MS Health Insurance Policy from InsuranceDekho is an essential part of my plan for a healthy...

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      Cholamandalam MS
      By Jannya Pathak
      On: Sep 20, 2023
    • I bought the Cholamandalam MS Health Insurance Policy for myself from the InsuranceDekho website, I found it e...

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      Cholamandalam MS
      By Santosh Devrat
      On: Sep 04, 2023
    • The Cholamandalam MS Health Insurance Policy is a useful policy that I bought online at InsuranceDekho last we...

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      Cholamandalam MS
      By Neelam Kathuria
      On: Aug 16, 2023
    • The Cholamandalam MS Health Insurance Policy is an affordable policy that offers enhanced coverage. I bought t...

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      Cholamandalam MS
      By Neeraj Singhal
      On: Aug 08, 2023
    • I bought the Cholamandalam MS Health Insurance Policy from the website of InsuranceDekho. It was the best heal...

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      Cholamandalam MS
      By Shweta Nagar
      On: Jul 20, 2023
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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.

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