What are the age eligibility criteria to get covered under the Chola MS Healthline plan?

Anyone falling between the age group of 18 years and 65 years is eligible to be covered under the plan. In addition to this, up to 4 children are covered from 90 days to 26 years.

I want to add my family members in this policy. Can I get them covered?

Yes, it is possible to get a cover for the complete family under a single sum insured. The members can comprise proposer, spouse, dependent kids, dependent parents, parents-in-law, and siblings on an individual sum insured basis. Whereas, self, spouse, dependent kids are covered on a family floater basis.

Does opinion for critical illness option offered under this policy?

Yes, the Healthline provides an opinion for critical illness under its Privilege Healthline Plan up to the amount of Rs. 25,000.

Do I always need to get hospitalised to get a claim?

Yes, as the plan doesn’t offer the coverage for out-patient expenses, therefore, policyholders are required to get hospitalised for making a claim. The out-patient expenses are covered only for specs, hearing aids, lenses and so on.

For how long does the insured individual need to be hospitalised to seek claim?

A policyholder is eligible to request a claim either on a cashless or on a reimbursement basis, only if he/she gets hospitalised for at least 24 hours. Only for daycare treatments, hospitalisation can be lesser than 24 hours.

Does the policy own any co-payment feature?

No, the Healthline plan doesn’t acquire any co-payment feature under it.

Are pre and post hospitalisation costs covered under this policy?

Yes, the plan covers pre and post hospitalisation expenses for up to 30 days before hospitalisation and up to 60 days from the date of discharge from the hospital.

Is there any health check-up coverage provided under the plan?

The plan provides the coverage for health check-up once in 3 consecutive claim-free years.

Does the plan offer coverage for organ donor during a transplantation surgery?

Yes, the policy covers the expenses related to organ donor for harvesting an organ during transplantation.

Can I earn any tax-related benefits from the Healthline plan?

Yes, policyholders are eligible to get a tax exemption under section 80D of the Income Tax Act up to Rs. 55,000.

Cholamandalam MS Healthline Health Insurance Wordings

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Highlights

Cashless Approval TAT	Within 70 minutes
Claim Settlement Ratio	94%
Network Hospitals	12,000+
Pre-existing Disease Waiting Period	3 years
Special Benefits	High Coverage
Starting Premium of Rs. 5 lakhs SI	Rs. 407/month

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Cholamandalam MS Healthline Policy Brochure

803.64 KB
PDF Document
Jul 11, 2019

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Cholamandalam Health Insurance Plan List

Family (3)
Individual (2)
Critical Illness (1)
Kids (1)
Maternity (1)
Parents (1)
Senior Citizen (1)
Woman (1)

Name of Plan	Sum Insured
Flexi SupremePopular		Check Premium
Arogya Sanjeevani Policy Min: 3 months; Max: 65 yearsPopular	1 Lakh - 5 Lakh	Check Premium
COVID-19 PolicyMin: 3 months; Max: 65 yearsPopular	1 Lakh - 5 Lakh	Check Premium
Accident Protection PolicyMin: 6 months; Max: 69 years	5 Lakh - 1 Crore	Check Premium
Flexi Health PolicyMin: 3 months; Max: 65 years	1 Lakh - 25 Lakh	Check Premium
Corona Rakshak PolicyMin: 18 years; Max: 65 years	50,000 - 2.5 lakh	Check Premium
Corona Kavach PolicyMin: 1 day; Max: 65 years	50,000 - 5 lakh	Check Premium
Hospital Cash Healthline PolicyMIn: 3 Months; Max: 65 Years	1000/day	Check Premium
Critical Healthline PolicyMIn: 5 Years; Max: 65 Years	3 Lakh	Check Premium
Healthline Policy Min: 90 Days; Max: 65 Years	1 Lakh	Check Premium

Cholamandalam Health Insurance Top Up List

Top-up (2)

Name of Plan	Sum Insured
Super Top-up Insurance PlanMIn: 3 Months; Max: 70 Years	3 Lakh	Check Premium
Top Up Healthline PolicyMin: 3 Months; Max: 65 Years	50 Thousand	Check Premium

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FAQs on Healthline Policy Health Insurance Plan

What are the age eligibility criteria to get covered under the Chola MS Healthline plan?
Anyone falling between the age group of 18 years and 65 years is eligible to be covered under the plan. In addition to this, up to 4 children are covered from 90 days to 26 years.
I want to add my family members in this policy. Can I get them covered?
Yes, it is possible to get a cover for the complete family under a single sum insured. The members can comprise proposer, spouse, dependent kids, dependent parents, parents-in-law, and siblings on an individual sum insured basis. Whereas, self, spouse, dependent kids are covered on a family floater basis.
Does opinion for critical illness option offered under this policy?
Yes, the Healthline provides an opinion for critical illness under its Privilege Healthline Plan up to the amount of Rs. 25,000.
Do I always need to get hospitalised to get a claim?
Yes, as the plan doesn’t offer the coverage for out-patient expenses, therefore, policyholders are required to get hospitalised for making a claim. The out-patient expenses are covered only for specs, hearing aids, lenses and so on.
For how long does the insured individual need to be hospitalised to seek claim?
A policyholder is eligible to request a claim either on a cashless or on a reimbursement basis, only if he/she gets hospitalised for at least 24 hours. Only for daycare treatments, hospitalisation can be lesser than 24 hours.
Does the policy own any co-payment feature?
No, the Healthline plan doesn’t acquire any co-payment feature under it.
Are pre and post hospitalisation costs covered under this policy?
Yes, the plan covers pre and post hospitalisation expenses for up to 30 days before hospitalisation and up to 60 days from the date of discharge from the hospital.
Is there any health check-up coverage provided under the plan?
The plan provides the coverage for health check-up once in 3 consecutive claim-free years.
Does the plan offer coverage for organ donor during a transplantation surgery?
Yes, the policy covers the expenses related to organ donor for harvesting an organ during transplantation.
Can I earn any tax-related benefits from the Healthline plan?
Yes, policyholders are eligible to get a tax exemption under section 80D of the Income Tax Act up to Rs. 55,000.

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Claim Process at Cholamandalam Health Insurance

Network Hospital
Non-Network Hospital

1
Claim Assistance
For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
2
Claim Intimation
Emergency hospitalisation needs intimation within 48 hours and for planned hospitalisation intimate within 72 hours prior to admission.
3
Claim Processing
Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
4
Claim Settlement
Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.

1
Claim Assistance
For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
2
Claim Intimation
Emergency hospitalisation needs intimation within 48 hours and for planned hospitalisation intimate within 72 hours prior to admission.
3
Claim Processing
Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
4
Claim Settlement
Once your request for reimbursement of expenses is approved, the claim will be settled.

Cholamandalam Health Insurance Contact Details

Reach us for help anytime

Insurance Dekho
755 1196 989Mon to Sun 10:00 AM to 7:00 PM
support@insurancedekho.com
Cholamandalam Health Insurance
1800-208-554424x7
customercare@cholams.murugappa.com