Chola MS Healthline Freedom Plan
Product Overview
Chola MS Healthline Freedom Plan is a 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 Healthline Freedom Plan
- No Co-payment clause under this policy (Freedom & Enrich Plan)
- Non-Allopathic Treatment Like - Ayurveda / Unani /Sidha / Homeopathy treatments are covered under this plan
- Pre-Hospitalisation expenses - upto 60 Days covered/ Pre-Hospitalisation expenses - upto 90 days covered
- No Claim Bonus - In the event there is no claim, 5% of Sum Insured every claim free year subject to maximum of 25% of Sum Insured.
Features of edit Edit Details
Do you wish to compare your plan with other plans?
Enter Your Details
Do you have this plan, check current status of your medical coverage
{{policy.Coverage}}
{{policy.Details}}
Inception Year - {{policy.Yourstatus}} | Current Status - {{policy.CurrentStatus}}
OneInsure App Benefits
Store Digitally | Get Premium Reminders | Service and Claim assistances | Empower Nominee
Critical features of Cholamandalam MS Healthline Freedom Plan
- Room rent:
Limits imposed towards room and ICU rent expenses
Single occupancy AC room - Co-Pay:
Specific % of admissible claim amount to be borne by Insured
This Plan does not have copayment clause - 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:- Children-91 days to 26 years/Adults 18 years
- Maximum age of Entry:- 65 years
- Renewal Age:- Life long Renewal
- Sum Insured:- Freedom Healthline Plan - 3 Lacs, 5 Lacs, 7.5 Lacs
- Policy Tenure:- 1 & 2 years
- Premium Calculated on Basis of:- Age, (i.e. sum Insured Choosen)
Additional discounts
- Discount for multi-year polices - 6% discount for opting 2yr policy tenure and for 3yrs tenure 12%
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
