Chola Healthline Insurance Plan
Cholamandalam MS General Insurance
7.9/10
OneAssure Rating
7.9/10
OneAssure Rating
Highlighted Features
Room Rent (Normal & ICU)
Covers hospitalization expenses up to the sum insured with no capping on room charges, ensuring comprehensive coverage.
Advanced Treatments
Includes modern procedures like robotic surgeries, stem cell therapy, and oral chemotherapy, offering access to cutting-edge medical care.
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Policy Wording
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Our Verdict
Chola Healthline provides extensive coverage with options like critical illness, maternity, and personal accident covers. Ideal for individuals and families seeking comprehensive health protection with flexible sum insured options and added benefits.
About the Plan
Chola Healthline Insurance Plan is a comprehensive health insurance policy offering coverage for hospitalization, pre-and post-hospitalization expenses, and daycare procedures. It provides a sum insured ranging from ₹1 lakh to ₹25 lakh, ensuring financial security during medical emergencies. The plan includes cashless treatment at network hospitals, ambulance cover, and AYUSH treatment benefits. Policyholders can avail of lifelong renewability, a no-claim bonus, and free annual health check-ups. With flexible options and extensive coverage, it caters to individuals and families seeking reliable health protection.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent (Normal & ICU)
Normal: Covered up to Sum insured
ICU: Covered up to sum insured
Advanced Treatments
Uterine Artery Embolization and HIFU (High intensity focused ultrasound)
Balloon Sinuplasty
Deep Brain stimulation
Oral chemotherapy
Immunotherapy - Monoclonal Antibody to be given as injection
Intra vitreal injections
Robotic surgeries
Stereotactic radio surgeries
Bronchical Thermoplasty
Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)
IONM - (Intra Operative Neuro Monitoring)
Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered up to sum insured.
Co-payment
The policy does not require any co-payment, allowing full coverage of eligible medical expenses up to the sum insured without additional out-of-pocket costs.
Waiting Periods
Initial Waiting Period: 30 days for all illnesses, excluding accidents.
Specific Treatments: 24 months for certain conditions like cataract surgery and joint replacements.
Pre-existing Diseases: Coverage begins after a 36-month waiting period.
Cashless Healthcare Providers
Extensive network of over 10,000 cashless healthcare providers across India.
Day Care Treatments
The plan covers all day care procedures requiring hospitalization for less than 24 hours, including surgeries and advanced treatments, up to the sum insured.
AYUSH Treatment
Expenses for alternative treatments under Ayurveda, Yoga, Unani, Siddha, and Homeopathy are covered up to the sum insured, promoting holistic healthcare options.
Exclusions
Pre-existing diseases not covered for a specific waiting period.
Illnesses occurring within the first 30 days of policy inception (except accidents).
Cosmetic or plastic surgeries unless medically necessary.
Treatment for alcohol or drug-related conditions.
Injuries due to hazardous activities or self-inflicted harm.
War, terrorism, or nuclear-related medical expenses.
nfertility treatments and pregnancy-related complications (unless covered under an optional benefit).
Experimental or unproven medical treatments.
Exclusions
Hospital Cash Benefit - Provides a fixed daily allowance for each day of hospitalization.
Critical Illness Cover - Additional coverage for specified critical illnesses like cancer, stroke, and heart attack.
Maternity & Newborn Cover - Covers maternity expenses and newborn care under specific conditions.
No-Claim Bonus Enhancement - Increases the sum insured for every claim-free year.
Personal Accident Cover - Provides financial support in case of accidental disability or death.
Add-ons
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About the Company
Chola MS General Insurance Company Limited is a joint venture between the Murugappa Group and Japan’s Mitsui Sumitomo Insurance Company. Guided by its T3 philosophy—Trust, Transparency, and Technology—Chola MS is committed to delivering reliable and innovative insurance solutions, reflecting its focus on customer-centricity and technological excellence.
Founded in 2001, Chola MS General Insurance Company Limited is headquartered in Chennai, Tamil Nadu. The company is led by V. Suryanarayanan, who serves as its CEO and Managing Director.
About the Company
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