Chola MS Individual Health Line Standard Plan
Product Overview
Chola MS Individual Health Line Standard 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 Chola MS Individual Health Line Standard Plan
- This Plan does not required any medical test up to 55 years
- No Claim Bonus: % of basic sum insured up to a maximum of 50 % for each unclaimed year in case opted for
- Covers pre-hospitalization expenses for up to 60 days and post-hospitalization expenses for up to 90 days.
- Some Organ Specific are Covered after 1 year like Cataract, benign prostratic hypertropy, etc
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Critical features of Chola MS Individual Health Line Standard Plan
- Room rent:
Limits imposed towards room and ICU rent expenses
(Sum Insured 1 Lakh- Non AC Single Room upto Rs.1000 per day)(Sum Insured 2/3/4 & Lakhs AC Single Room upto Rs.3000 per day) - 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)
Sub-limits Against Diseases
- Cataract - 7.5% of SI, max RS 20,000 per eye
- Hernia or Hydrocele -10% of SI, max RS 30,000
- Fistula in Anus, Anal Fissure, Piles - 10% of SI, max RS 30,000
- Sinusitis -10% of SI, max RS 30,000
- Tonsilitis or Adenoids -15% of SI, max RS 40,000
- 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:- Standard Plan - 1/2/3/4/5 Lakhs
- Policy Tenure:- 1 year
- 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
