Cholamandalam MS Healthline Top Up Health Insurance

Claim Settlement | Dedicated Team |
Claim Settlement Ratio | 95% |
COVID-19 Cover | Yes |
Network Hospitals | 8,000+ |
Policies Sold | 1,03,232 |
Renewability | Lifelong |
About Cholamandalam MS Healthline Top Up Health Insurance
The Chola 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 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 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 that 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 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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Cholamandalam MS Top Up Healthline Policy Expert Review
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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.
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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
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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
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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.

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FAQs on Top Up Healthline Policy Health Insurance Plan
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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.
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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.
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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.
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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.
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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.