Health Insurance 105 views August 3, 2021

Chola Hospital Cash Healthline Plan provides a daily cash benefit to you and your family in case of hospitalization due to illness/injury. This policy covers you and your family on an Individual Sum Insured basis. Read this page and learn about the Chola Hospital Cash Healthline Plan coverage.

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Chola Hospital Cash Healthline Plan Base Cover

The insurer shall provide you the following benefits if you or any of the insured members are hospitalized during the policy period:

Hospital Cash Benefit

In case any of the insured members are hospitalized due to any illness or accidental injury for a consecutive period of more than 24 hours, a daily cash benefit shall be payable based on the chosen plan. Check out the table below to know about it better.

Plan VariantHospital Cash Benefit (In INR)
A1,000 per day payable up to 20 days
B2,000 per day payable up to 20 days
C3,000 per day payable up to 20 days
D1,000 per day payable up to 25 days
E2,000 per day payable up to 25 days
F3,000 per day payable up to 25 days

In case the insured is admitted to an Intensive Care Unit for more than 24 hours, the daily cash benefit shall be doubled for the period.

Note: Only one daily cash benefit is payable for any one day of hospital confinement, regardless of the number of sicknesses or diseases.

Convalescence Benefit

If the insured is hospitalized for 20 consecutive days, the insurer shall pay a fixed amount based on the chosen plan. Check out the table below to know about the convalescence benefit.

Plan VariantConvalescence Benefit (In INR)
A10,000
B15,000
C20,000
D10,000
E15,000
F20,000

The scheduled benefit is payable in addition to the hospital cash benefit. You can avail of this benefit only once per illness/accident in a policy year.

Chola Hospital Cash Healthline Plan Eligibility Criteria

You need to meet the following age criteria to purchase the Chola Hospital Cash Healthline Plan:

  1. Minimum entry age for proposer, spouse, dependent parents and parents-in-law – 18 years
  2. Maximum entry age for proposer, spouse, dependent parents and parents-in-law – 65 years
  3. Minimum entry age for siblings – 5 years
  4. Maximum entry age for siblings – 65 years
  5. Minimum entry age for dependent children – 5 months
  6. Maximum entry age for dependent children – 26 years

Note: For unmarried female children, the maximum entry age is less than 36 years.

You and your family members don’t need to go through pre-policy medical checkups if the entry age is up to 55 years. If any of the members’ age is above 55 years, they need to go through a medical examination. The insurer shall reimburse 50% of the medical examination expenses on policy issuance.

Waiting Period

The following waiting period applies to the Chola Hospital Cash Healthline Plan from the date of the policy commencement. Check out the pointers below to know about it:

  1. Initial waiting period – 30 days
  2. Waiting period for specific illnesses/treatment – 24 months
  3. Waiting period for pre-existing diseases – 48 months

Exclusions from Chola Hospital Cash Healthline Plan

The insurer shall not pay for the expense arising out of the following:

  1. War or any act of war, invasion, acts of foreign enemies, hostilities whether war is declared or not
  2. Intentional self-injury or attempted suicide
  3. Expenses related to the surgical treatment of obesity
  4. Vaccination or inoculation unless it is a part of post-animal bite treatment
  5. Medical treatment expenses traceable to childbirth
  6. Expenses towards miscarriage unless caused by an accident
  7. Lawful medical termination of pregnancy
  8. Any admission primarily for diagnostics and evaluation
  9. Any admission primarily for enforced bed-rest and not for receiving treatment
  10. Change-of-gender treatments
  11. Cosmetic or plastic surgery unless for reconstruction due to accident, burns or cancer
  12. Participation in hazardous or adventure sports
  13. Circumcisions unless necessitated by illness or injury or part of the treatment
  14. Commit a breach of law with criminal intent
  15. Treatment for, alcoholism, drug or substance abuse or any addictive condition and its consequences
  16. Treatments received in health hydros, nature cure clinics, spas or similar establishments
  17. Dietary supplements and substances that can be purchased without a prescription. These include vitamins, minerals and organic substances. Only when the medical practitioner prescribes these will the insurer cover the same.
  18. Treatment for correction of eyesight due to refractive error < 7.5 dioptres
  19. Treatment rendered by a medical practitioner outside his/her discipline
  20. Any external congenital diseases, defects or anomalies
  21. Unproven treatments
  22. Sterility and Infertility treatments
  23. Sexually transmitted disease or illness
  24. Cost of hearing aids, eyeglasses or contact lenses
  25. Naturopathy Treatments

Free Look Period

You’ll get a 15-day free look period starting from the date of receipt of the policy to review the terms and conditions. If you disagree with the terms and conditions, return the policy stating the reason for it. In case you haven’t made any claim during the free look period, you’ll be entitled to a refund of the paid premium less any expenses incurred on medical examination (if any) and stamp duty charges. Where the risk has already commenced and you have returned the policy, a deduction towards a proportionate risk premium for the period on the cover will be made. If only a part of the insurance coverage has commenced, such proportionate premium commensurates with the insurance coverage during the free look period.

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