Chola MS Swasth Parivar Pearl Plan
Product Overview
Chola MS Swasth Parivar Pearl 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 Swasth Parivar Pearl Plan
- Covers pre-hospitalization expenses for up to 30 days and post-hospitalization expenses for up to 60 days
- Covers 141 day care procedures which require less than 24 hours of hospitalization
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Critical features of Cholamandalam MS Swasth Parivar Pearl Plan
- Room rent:
Limits imposed towards room and ICU rent expenses
- Room rent limit 1% of the Sum Insured.
- ICU Limit 1.5% of the Sum Insured.
- Co-Pay:
Specific % of admissible claim amount to be borne by Insured
- 15% co-payment for each and every claims
- 10% co-payment in a Non-Network hospital
- 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
This plan does not offer a claim bonus benefits - 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-90 days
- Maximum age of Entry:- 65 years
- Renewal Age:- Life Long Renewal
- Sum Insured:- (Plan1- Rs 3 Lakhs, Plan2- Rs 4 Lakhs ,Plan 3- Rs 5 Lakhs)
- Policy Tenure:- 1 & 2 years
- 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.
