Chola MS Critical Healthline

Cholamandalam MS
General Insurance Company

Cholamandalam MS General Insurance is a collaboration between Murugappa Group; a Chennai based industrial group of companies, and Mitsui Sumitomo Insurance Group from Japan. The company has received awards for its innovative products and prompt claim settlement process. With over 100 branches in a short span, Cholamandalam is one of the fastest growing insurance companies.

Contact Details

Toll Free Number- 1800-200-5544
E-Mail - customercare@cholams.murugappa.com

Product Overview -
Chola MS Critical Healthline

Chola MS Critical Healthline Plan is a critical illness benefit policy, which will pay a lump sum amount on the diagnosis of the covered illness of specified severity post the initial waiting & survival period.

Unique Features - Chola MS Critical Healthline Plan

12 major Critical illness covered.
No Medical Test up to 55 years
Ambulance Charges Covered in the Advance Plan

Eligibility Criteria - Chola MS Critical Healthline Plan

Eligibility Criteria
Age Criteria Min Entry Age: 18 Years Max Entry Age: 65 years
(Self/Spouse/Parents/Parents-in-law)
Min Entry Age: 5 Years Max Entry Age: 25 years (Dependent Child)
Renewal Age Life Long Renewal
Coverage for Individual & Family Basis A maximum of 4 members can be added under policy with a maximum of 4 Adults (Self, Spouse, 2 Dependent Children) (all members should be within the age group of 5 to 55 years).
Sum Insured Rs. 3 Lacs, Rs. 5 Lacs and Rs. 10 lacs
Policy Tenure 1 Year

Product Benefits - Chola MS Critical Healthline Plan

Critical Features
No Of Covered Disease 12
Initial Survival Period 30/90/180 Days
Initial Waiting Period 90
Coverage For PED Not Covered
Second Opinion Not Covered
Other Features
Add On Covers Not Available
Sum insured Range Rs. 3 Lacs to Rs. 10 Lacs
Type of Coverage Individual
Annual Health Check Up Not Covered
Ambulance Charges Up to Rs. 1000 in Advance Plan

Waiting Period - Chola MS Critical Healthline Plan

Initial Waiting period - This implies that the insured is not covered for the 12 diseases under this policy for the first 90 days of the policy
coming into existence. The waiting period is not applicable on subsequent renewals
Pre-existing Diseases - Not Covered


Survival Period - Chola MS Critical Healthline Plan

The survival period is the length of time, the insured, must survive after he has been diagnosed with a covered critical illness
30 Days
7 Critical Illnesses covered
30 days survival period from the date of confirmed diagnosis with defined severity/ date of actual undergoing of the procedure
1.Cancer of Specified Severity
2.First Heart Attack
3.Open chest CABG
4.Kidney failure requiring regular dialysis
5.Major organ or bone marrow transplant
6.Surgery of Aorta
7.Primary pulmonary arterial hypertension

90 Days
2 Critical Illnesses covered
90 days survival period from the date of confirmed diagnosis with defined severity
1.Stroke resulting in permanent symptoms
2.Motor Neuron disease with persistent symptoms

180 Days
3 Critical Illnesses covered
180 days survival period from the date of confirmed diagnosis with defined severity
1.Multiple sclerosis
2.Permanent paralysis of limbs
3.Parkinson's Disease

Chola MS Standard Critical Healthline
10 Critical Illnesses covered
30 days survival period from the date of confirmed diagnosis with defined severity/ date of actual undergoing of the procedure
1.Cancer of Specified Severity
2.Stroke Resulting In Permanent Symptoms
3.First Heart Attack - of Specified Severity
4.Open Chest CABG
5.Kidney Failure Requiring Regular Dialysis
6.Multiple Sclerosis With Persisting Symptoms
7.Major Organ /Bone Marrow Transplant
8.Permanent Paralysis Of Limbs
9.Surgery to Aorta
10.Primary Pulmonary hypertension

Chola MS Advanced Critical Healthline
12 Critical Illnesses covered
90 days survival period from the date of confirmed diagnosis with defined severity
1.Cancer of Specified Severity
2.Stroke Resulting In Permanent Symptoms
3.First Heart Attack - of Specified Severity
4.Open Chest CABG
5.Kidney Failure Requiring Regular Dialysis
6.Multiple Sclerosis With Persisting Symptoms
7.Major Organ /Bone Marrow Transplant
8.Permanent Paralysis Of Limbs
9.Surgery to Aorta
10.Primary Pulmonary hypertension
11.Parkinson’s Disease
12.Motor Neuron Disease With Permanent Symptoms

Exclusion - Chola MS Critical Healthline Plan

  • Any Critical Illness arising due to any pre-existing disease
  • Any Critical Illness diagnosed within the first 90 days from the date of commencement of the Policy
  • Intentional self Injury and / or the use or misuse of intoxicating drugs and / or alcohol
  • Death of insured person before survival period specified for specific diseases
  • Treatment arising from or traceable to pregnancy, childbirth postpartum complications including but not limited to caesarian section, birth defects and congenital anomalies
  • War, whether war be declared or not, invasion, act of foreign enemy, hostilities, civil war, insurrection, terrorism or terrorist acts or activities, rebellion, revolution, mutiny, military or usurped power, root, strike, lockout, military or popular uprising, civil.
  • Naval or military operations of the armed forces or air force and participation in operations requiring the use of arms or which are ordered by military authorities for combat terrorists, rebels or like.
  • Insured person’s participation in any hazardous activities including but not limited to scuba diving, motor racing, parachuting, hang gliding, rock / mountain climbing and the like whether voluntary or paid.
  • Any natural peril (including but not limited to storm, tempest, avalanche, earthquake, volcanic eruptions, hurricane, or any other kind of natural hazard).
  • Radioactive contamination
  • Intentional self Injury and / or the use or misuse of intoxicating drugs and/or alcohol, etc.

Add-ons - Chola MS Critical Healthline Plan

Not Available

Additional Discounts - Chola MS Critical Healthline Plan

Not Available

Tax Benefits - Chola MS Critical Healthline Plan

Tax Benefits for the premium paid under Section 80D of the Income Tax Act.

Claim Process - Chola MS Critical Healthline Plan

Know Claim Process




Problem with your Policy? Get Assistance Interested in Buying This Policy? Need Help from our experts? + -
    • By clicking on the "GET A CALL" button, I accept the terms and conditions & authorize OneInsure representatives to contact me (via Call/SMS/Email).

THANK YOU!