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HomeHealth InsuranceCholamandalam MSTop Up Healthline Policy

Cholamandalam MS Healthline Top Up Health Insurance

148 reviews Rate This
Cholamandalam Health Insurance
Top Up Healthline Policy
Cashless Approval TATWithin 70 minutes
Claim Settlement Ratio94%
Network Hospitals12,000+
Pre-existing Disease Waiting Period3 years
Special BenefitsHigh Coverage
Starting Premium of Rs. 5 lakhs SIRs. 407/month

About Cholamandalam MS Healthline Top Up Health Insurance

The Chola MS Top Up Healthline Policy looks after the soaring medical expenses incurred during the hospitalisation when you find your current health plan falling short of providing you proper healthcare coverage. This Chola MS Top Up Healthline Insurance plan is designed to be utilised as an add-on cover over the existing health insurance policy. It is available on an individual as well as family floater basis. Thus, it can help several policyholders to stretch their insurance plan’s benefits easily. In short, one needs a comprehensive mediclaim policy as a base plan to avail of this policy.

In addition to this, the Chola Top Up Healthline Policy offers a higher sum insured with a deductible applicable on every claim. The element that makes it special or different from other mediclaim policies is its affordable premium which is just a fraction of the premium amount paid for a normal mediclaim policy. Anyone between the age of 18 years and 65 years can avail its benefits. Also, the plan allows its customers to get this Chola health insurance plan for 1 year, 2 years, or 3 years duration, which in the long run can save them from the hassle of renewing the policy every year.

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Key Inclusions and Exclusions of the Plan

What's Included

  • Coverage for emergency ambulance
  • Pre and post hospitalisation expenses
  • Availability of lifelong renewability option
  • Portability feature is available under the plan
  • Network of 7000+ hospitals across the nation

What's Not Included

  • Pre-existing illness until 48 months
  • Treatments in the first 30 days of the plan
  • Cost incurred on Weight Control Programs
  • Expenses incurred on AIDS and related conditions
  • Illness due to intoxicating drugs/alcohol use

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Top Up Healthline Policy User Reviews

4.7
Rating based on
148 User reviews
Write your review
What users are saying
  • All
  • A good policy..

    This plan comes in when your existing insurance cover fails to offer the coverage for a particular medical treatment. I came across this plan through the insurancedekho.com. It gave me assistance, especially when I was short of options and didn’t want to lose my savings. In short, a good plan.

    Read More

    Y
    By Yamini Deshpande
    On: Feb 27, 2020
  • Very average health plan.

    I was looking for a trusted plan to avoid financial instability but this plan didn’t help me much. With good benefits, this scheme holds equally bad service. Hence, I could achieve any good amount of help. It is an average plan and can be bought on own risk. 

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    D
    By Deepanshu Garg
    On: Feb 27, 2020
  • Great Service!!

    I am very glad to find this plan. It is a great top-up insurance plan, which provided me with the offerings that helped me manage the medical costs on the exhaustion of existing health plan. This health policy is suitable for both individuals as well as families. It took it for my family and happy with its services.

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    M
    By Mayank Verma
    On: Feb 10, 2020
  • Applauds for this plan!

    Its services and commitment are unparalleled and I am very lucky to own this plan with me. I would like to applauds, whistle and give a standing ovation to this plan. It stood like a true companion with me in addition to my existing plan. It gave me coverage throughout.  

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    A
    By Aditya Nigam
    On: Feb 10, 2020
  • Brilliant offering!

    This is framed to get utilised as a perfect add-on coverage plan in addition to the present health insurance policy. I bought this plan on family floater basis.. I has helped many policyholders like me to enhance my features and benefits quite easily. However, people need to have a medical policy in advance to avail this top-up policy.

    Read More

    K
    By Kaushal Tandon
    On: Jan 28, 2020
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Cholamandalam MS Top Up Healthline Policy Expert Review

  • Expert Review

    Chola Top Up Healthline is a great top up insurance plan. Offering added help when one needs it the most, the policy helps you manage the high medical costs when your existing policy gets exhausted. An ideal add-on cover over an existing insurance plan, Chola Top Up Healthline is perfect for both, individuals as well as families that need extra cover to get their treatment done, without any interruption or inconvenience in between.

    Providing cover to those between the age group 18 years to 65 years, Chola Top Up Healthline also covers 3 dependent children belonging to the age range of 3 months to 26 years, while covering unmarried girl child up to 35 years of age. Note that you can avail the policy for a period of 1, 2, or 3 years besides covering your family on floater basis. Last but not the least, Chola Top Up Healthline comes in the form of 7 plans, each of which differs in its deductible, sum insured, and room rent limit. Talking about the sum insured options, the range starts from Rs. 50,000 and goes up to Rs. 15 Lakh.

  • Major Attractions

    Chola Top Up Healthline is there for you when your existing health insurance cover fails to provide coverage for the required medical treatment. In other words, the policy comes across as the ultimate helping hand, especially when you are out of options and don’t want to end up losing your savings. Providing a higher sum insured with a deductible applicable on every claim, Chola Top Up Healthline has a lot more to offer. The list includes -

    • Wide coverage at an affordable premium
    • 60 days pre-hospitalisation expenses 
    • 90 days post-hospitalisation expenses 
    • Emergency ambulance up to Rs. 3,000 per hospitalisation
    • No pre-policy checkup for entry up to 55 years of age
    • Reimbursement of pre-policy health checkup, up to 50% on issuance of policy
    • Savings on premium for long duration policy
    • Freedom from hassle of renewing policy every year

  • What’s More?

    Serving as an extension to an existing health insurance cover, Chola Top Up Healthline fulfills its promise of financial stability for one and all. Rich in beneficial features, the policy is a dependable solution that covers up extra costs incurred during a treatment. Below mentioned are the key highlights of the top up policy that make it a worthy investment - 

    • Lifelong renewal
    • Hassle-free policy portability
    • Cashless procedure at network hospital
    • 30 days grace period for policy renewal
    • Free look period - 15 days from the date of receipt of policy
    • Tax benefits under Section 80D of the Income Tax Act - Up to Rs. 25,000

  • Conclusion

    Those looking for a reliable option to prevent the state of financial instability should definitely go for Chola Top Up Healthline for an ideal savior. A worthy investment in every aspect, the policy offered is a boon for sure. 

    Interested in Chola Top Up Healthline? It would be best if you buy the policy online so as to allow quick issuance. Additionally, you can also choose InsuranceDekho as your online purchase platform and make the most of claim settlement support, policy portability, policy transparency, and added benefits provided by the insurance broker.

Cholamandalam MS Top Up Healthline Policy Brochure

  • 3.27 MB
  • PDF Document
  • Aug 02, 2019
Download PDF

Claim Process at Cholamandalam 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.

FAQs on Top Up Healthline Policy Health Insurance Plan

  • What are the age criteria to get the coverage under the Chola Top Up Healthline Policy?

    People between the age group of 18 years and 65 years can get coverage under this health insurance top-up policy. Also, dependent kids from the age of 3 months to 26 years are covered, whereas unmarried girl child can be covered up to 35 years.

  • What relationships can be covered under the Chola Top Up Healthline Policy?

    The Chola Top Up Healthline Policy provides the coverage to different relations like Self, Spouse, and up to 3 Dependent Children.

  • Does the Chola Top Up Healthline Policy require any pre-health check-up of policyholders?

    No pre-medical health check-up is required for entry up to 55 years of age. Expenses of the pre-policy health -check-up will be reimbursed up to 50% on the issuance of the policy.

  • Is there any free-look period offered under the Chola Top Up Healthline Policy?

    Yes, the plan gives 15 days from the date of receipt of policy to review the terms and conditions of the policy and to return the same if the customer doesn’t find it suitable.

  • How many network hospitals offer the cashless facility for this plan?

    Around 7,000+ network hospitals are there across the nation, which offers the cashless facility for this plan.

  • Does the policy own any grace period feature?

    Yes, under this plan, the grace period is of 30 days from the date of expiry of the last health insurance plan. However, during the grace period claims will not be entertained or accepted.

  • What is the procedure to cancel this policy?

    The 15 days of written notice is required for cancellation of policy by either party. If the cancellation is from the policyholder’s end, the insurer will be retaining a part of the premium amount for a period for which the insured was covered under the Chola Top Up Healthline Policy.  

  • Does this policy offer portability feature?

    Yes, the policy offers the portability feature to its customers. If any customer owns a plan, either individual or family floater, which is similar to the ones available in Chola MS, he or she has the option to port the policy in another health insurance plan without losing the continuity benefit.

  • Who handles the claim settlement procedure for this policy?

    Chola MS acquires a 24*7 claim administration team to serve the customers with all the claim related issues. No Third Party Administration (TPA) is involved in the claim settlement process.

  • Can I earn any tax benefit with the purchase of Chola Top Up Healthline Policy?

    Yes, you get a tax exemption on the premium amount of Chola Top Up Healthline Policy as per the section 80D of the IT Act. 

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