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Cholamandalam MS Hospital Cash Healthline Health Insurance

148 reviews Rate This
Cholamandalam Health Insurance
Hospital Cash Healthline Policy
Cashless Approval TATWithin 70 minutes
Claim Settlement Ratio94%
Network Hospitals12,000+
Pre-existing Disease Waiting Period3 years
Special BenefitsHigh Coverage
Starting Premium of Rs. 5 lakhs SIRs. 407/month

About Cholamandalam MS Hospital Cash Healthline Health Insurance

In this scenario, everybody is experiencing inflation, which is rising at skyrocketing pace and affecting. It can affect someone the most in his or her bad times, such as medical hospitalisation. A medical emergency can impact your daily expenses, food expenses, travel expenses and other expenses. But, with Chola Hospital Cash Healthline Policy, a fixed daily cash benefit is given to cover these miscellaneous expenses, if the insured member is hospitalised for more than 24 hours. If hospitalised in ICU, the amount of cash benefit is doubled for the duration of admission. If the period exceeds 20 days, an additional convalescence benefit is paid.

The Chola Hospital Cash Healthline Policy allows people between the age of 18 years and 65 years that can include several relationships such as self, spouse, siblings, children, parents, parents-in-law. One can purchase the plan for 1, 2 and 3 year term. However, to buy this plan people above 55 years of age are required to go through a medical test. The expense of this pre-policy health check-up will be reimbursed up to 50% on the insurance of policy. Also, a family discount is applicable to the premium amount, where a 5% discount for 2 members and 10% discount for more than 2 members.

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Key Inclusions and Exclusions of the Plan

What's Included

  • Availability of portability feature
  • Lump-sum convalescence benefit is offered under the policy
  • Daily cash for regular hospitalisation
  • Double daily cash for ICU confinement is included
  • Discount on premium for covering 2 or more members

What's Not Included

  • Pre-existing conditions until for 48 months
  • Varicose veins and ulcers for the first two years
  • Costs incurred on AIDS and related conditions
  • Any treatment except for accident for the first 30 days
  • Illnesses occurred due to intoxicating drugs/alcohol

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Hospital Cash Healthline Policy User Reviews

4.7
Rating based on
148 User reviews
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What users are saying
  • All
  • Helping plan!

    When I was in the hospital, this plan used to help me a lot. It delivered me some amount of cash constantly for different purposes. It lessens the burden on me to quite an extent. Only a plan in the market, which is planning to deliver its customers to a good amount. 

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    P
    By Prakhar Sinha
    On: Feb 27, 2020
  • Perfect plan to invest in!

    The Chola Hospital Cash Healthline plan is a perfect one to invest in. If any expense other than medical costs has been a cause of your concern until now, buy this plan without any problem. However, rest assured going for the offered policy would be a wise decision to make.

    Read More

    L
    By Lavanya Hajela
    On: Feb 27, 2020
  • Greatful to this!

    There are many benefits stuffed in this plan. I bought this plan through insurancedekho.com with the thought of getting a financial help during the medical emergency and hospitalisation. I have been using this plan for more than 1 year and have claimed for it once and found it very easily. I am grateful to this. 

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    G
    By Gaurav Ahuja
    On: Feb 10, 2020
  • Impressive scheme.

    I am very impressed by using this policy. It made me enough strength to deal with any sort of medical expense during the hospitalisation. I find this plan equipped with essential features and available at reasonable rates. This is a plan for all and everyone should opt for this plan to secure themselves.

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    H
    By Harish Singhal
    On: Feb 10, 2020
  • Very Special One.

    When you are hospitalised, many expenses come in you way. Some are affordable and some are not. But in such a situation, a constant help of cash can make you feel so easy and special that you can deal with any and every sort of medical problem. Under this plan, I got all this. 

    Read More

    R
    By Rakesh Goria
    On: Jan 28, 2020
View All Hospital Cash Healthline Policy Reviews

Cholamandalam MS Hospital Cash Healthline Policy Expert Review

  • Expert Review

    Chola Hospital Cash Healthline is the perfect choice for anyone looking forward to getting their miscellaneous expenses, other than medical expenses covered. Helping people manage their expenses related to travel, food, and other areas, Chola Hospital Cash Healthline comes across as a pocket-friendly option. Needless to say, the policy not only lets you pay for all expenses without getting concerned, but also keep your savings safe. 

    Starting with the eligibility, the policy covers any individual between the age range starting from 3 months up to 65 years. Allowing coverage for multiple relationships including self, spouse, children, siblings, parents, and parents-in-law, Chola Hospital Cash Healthline can be availed for a period of 1/2/3 years. Note that the policy has its benefits range divided as per plan variants, namely Plan A, Plan B, Plan C, Plan D, Plan E, and Plan F. When it comes to amount covered, it starts from Rs. 1,000 per day and goes up to Rs. 3,000 per day. 

  • Major Attractions

    Chola Hospital Cash Healthline has a lot to offer. With this policy by your side, you won’t have to worry about the additional expenses, which may not appear significant, but actually are. The benefits or key features you can expect from Chola Hospital Cash Healthline are quite prominent to register. The list includes -

    • Relaxed entry age
    • Low premium, high coverage
    • Excellent cover for small miscellaneous expenses including food, travel, and others
    • For each completed 24 hours of normal hospitalisation - A fixed daily allowance for miscellaneous expenses 
    • For an ICU hospitalisation - Double cash benefit for the duration of ICU confinement
    • For hospitalisation exceeding 20 continuous days - An additional lump sum convalescence benefit 
    • No pre-policy health checkup up to 55 years of age
    • For persons above 55 years, reimbursement of pre-policy health check-up cost up to 50% on issuance
    • Family discount on premium - 5% discount for 2 members, 10% discount for more than 2 members in the same policy

  • What’s More?

    When you invest in Chola Hospital Cash Healthline, you invest in your peace of mind. Also, you invite financial stability. While the policy comes inbuilt with numerous attractive aspects, it has other features too that help in providing a complete experience to the insured. Few features to look for when purchasing Chola Hospital Cash Healthline include -

    • Policy renewal till lifetime
    • Free look period - 15 days
    • Easy policy portability feature
    • Simple and direct claim procedure
    • Grace period for renewal - 30 days
    • Tax exemption under section 80D of Income Tax Act

  • Conclusion

    To conclude, Chola Hospital Cash Healthline is a smart investment to make. If expenses those other than medical have been the cause of your concern until now, rest assured going for the offered policy would be a wise decision to make.

    Chola Hospital Cash Healthline is definitely worth investing in. To make the experience even better, you can choose the online mode for policy purchase and get it issued quickly. InsuranceDekho, being the ideal online platform will help you buy the policy and make the most of policy transparency, claim settlement support, policy portability, and other benefits.

Cholamandalam MS Hospital Cash Healthline Policy Brochure

  • 710.52 KB
  • PDF Document
  • Aug 02, 2019
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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.

FAQs on Hospital Cash Healthline Policy Health Insurance Plan

  • What is the entry age for Chola Hospital Cash Healthline Policy?

    The age of proposer, spouse, dependent parents and parents-in-law should be between 18 years and 65 years. The age of siblings can be between 5 years and 65 years, while the age of dependent kids can range between 3 months and 26 years. In addition to these, unmarried female children less than the age of 36 years can find coverage under this plan.

  • What are the options for coverage available as the policy terms?

    The Chola Hospital Cash Healthline Policy offers the policy terms for coverage to different relations like Self, Spouse, and up to 3 Dependent Children.

  • Does the Chola Hospital Cash Healthline Policy require any pre-health check-up of policyholders?

    No pre-medical health check-up is required for entry up to 55 years of age. Expenses of the pre-policy health-check-up will be reimbursed up to 50% on the issuance of the plan.

  • Is there any free-look period offered under the Chola Hospital Cash Healthline Policy?

    Yes, the plan gives 15 days from the date of receipt of policy to its policyholders to review the terms and conditions of the policy and to return the same, if they don’t find it suitable.

  • How many network hospitals offer the cashless facility for this plan?

    There exists 7,000+ network hospitals across the nation, which provides the cashless facility for this plan.

  • Does Chola Hospital Cash Healthline Policy offer any discount?

    Yes, a family discount is offered under the plan, where a 5% discount is given for 2 members and 10% is given for more than 2 members covered under the plan.

  • What is the process to apply for the cancellation of Chola Hospital Cash Healthline Policy?

    A written notice of 15 days is required for cancellation of the policy. If the cancellation is from the policyholder’s end, the insurer retains the part of the premium amount for a period for which the policyholder is covered under Chola Hospital Cash Healthline Policy.

  • Does Chola Hospital Cash Healthline Policy offer portability option?

    Yes, Chola Hospital Cash Healthline Policy offers the portability feature to its policyholders. If any customer owns a plan, which is similar to Chola Hospital Cash Healthline Policy, then, he or she has the option to port in this plan without compromising on any continuity benefit.

  • Who handles the claim settlement procedure for Chola Hospital Cash Healthline Policy?

    Chola Hospital Cash Healthline Policy attains a 24*7 claim administration team to serve the customers with all the claim related issues. No Third Party Administration (TPA) is involved in the claim settlement process.

  • Can I earn any tax benefit with the purchase of Chola Hospital Cash Healthline Policy?

    Yes, you can earn tax benefit on the premium of Chola Hospital Cash Healthline Policy as per the section 80D of the IT Act. 

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