Product Overview
Chola MS Family Health Line Advanced Plan is an hospitalization policy, which covers inpatient treatment for a minimum period of 24hrs, along with other benefits like day care treatments, Ayurvedic treatment, etc.
Unique Features of Cholamandalam MS Family Health Line Advanced Plan
- No Claim Bonus: In the event there is no claim, 5% increase in the Sum insured, subject to max. up to 50%.
- Maternity benefits covered after a waiting period of 5yrs (Under - Superior & Advanced Plan)
- Covers pre-hospitalization expenses for up to 60 days and post-hospitalization expenses for up to 90 days.
- OPD Dental Treatment - (Waiting Period 3 years) – 30% Co-payment covered under Advanced Plan.
- Some Organ Specific are Covered after 1 year like Cataract, benign prostratic hypertropy, etc
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Critical features of Cholamandalam MS Family Health Line Advanced Plan
- Room rent:
Limits imposed towards room and ICU rent expenses
Sum Insured-6/8/10/12/15 Lakhs Max 1% of the Sum Insured
- Co-Pay:
Specific % of admissible claim amount to be borne by Insured
- 20% co payment above age 70 years
- 30% Co payment for OPD dental Cover and External aids(waiver option available)
- 20% Co payment for Ayurvedic Therapy Treatments.(waiver option available) - Under Advanced Plan
Sub-limits Against Diseases
- Cataract - 7.5% of SI, max RS 20,000 per eye(Under Standard & Superior Plan)
- Hernia or Hydrocele -10% of SI, max RS 30,000(Under Advanced Plan)
- Fistula in Anus, Anal Fissure, Piles - 10% of SI, max RS 30,000(Under Standard Plan)
- Sinusitis -10% of SI, max RS 30,000(Under Standard Plan)
- Tonsilitis or Adenoids -15% of SI, max RS 40,000(Under Standard Plan)
- No Claim Bonus:
Health Insurance policies may offer Cumulative Bonus wherein for every claim free year, the Sum Insured is increased by a certain percentage at the time of renewal
5% of basic sum insured up to a maximum of 50 % for each unclaimed year in case opted for(The cumulative bonus is reduced by 5 % of sum insured once a claim is made)
- Pre-Existing Diseases:
Means any condition, ailment or injury or related condition(s) for which you had signs or symptoms, and / or were diagnosed, and / or received medical advice/ treatment, within 48 months prior to the first policy issued by the insurer
This plans has a waiting period of 4 years is case of pre-existing diseases
Eligibility Criteria
- Minimum Age of Entry:- 91 days
- Maximum age of Entry:- 65 years
- Renewal Age:- Life Long Renewal
- Sum Insured:- Advanced Plan - 6/8/10/12/15 Lakhs
- Policy Tenure:- 1yr
- Premium Calculated on Basis of:- Age, (i.e. sum Insured Chosen)
Exclusions
- Treatment with alternative medicines like acupuncture, acupressure, osteopath, naturopathy, chiropractic, reflexology and aromatherapy.
- Treatment arising from or traceable to pregnancy (whether uterine or extra uterine) and childbirth including caesarean section, and/or any treatment related to prenatal and postnatal care.
- All expenses related to AIDS and related diseases.
- Use/Abuse of intoxicating drugs or alcohol,any hazardous activities.
- War or any act of war, invasion, intentional self-injury or attempted suicide.
- Treatment of obesity,,Cosmetic treatments,mental disorders,external congenital diseases.
- Personal comfort and convenience items or services.
Note:- Any claims arising out of or attributable to any of the following is not covered
Tax Benefits
The premium paid for health insurance policy is liable to get a tax rebate under section 80D of the Income Tax Act, 1961.
Claim Process
In case you would like to know about the Claim Process or would like to register a Claim please click the link below
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