Quote Form

Our representative will call you within few minutes
Health Insurance 380 views August 3, 2021
Chola MS Critical Healthline Insurance Plan provides you and your family financial protection against a list of critical illnesses. The policy comes in two variants – Standard and Advanced, so choose your coverage based on your needs. Read this page further and learn more about the Chola MS Critical Healthline Insurance Plan coverage.
Table of Contents
The insurer shall pay a critical illness benefit if you or any of the insured members are diagnosed with a critical illness during the policy period. Check out the table below to know about the list of covered critical illnesses based on your chosen plan.
table
You’ll get the benefit of emergency ambulance cover if you opt for the Chola MS Advanced Critical Healthline variant. The insurer shall pay INR 1,000 per insured per policy year under this benefit.
You can purchase Chola MS Critical Healthline Insurance Plan if you meet the following age criteria:
You’ll get the following sum insured options under the Chola MS Critical Healthline Insurance Plan:
The insurer shall apply a waiting period of 90 days from the date of commencement of the policy. So, if any critical illness is diagnosed within the first 90 days, the same shall be excluded. The waiting period isn’t applicable in the case of continuous renewal of the policy.
A survival period of 30 days shall apply to the policy from the date of diagnosis of the illness. Upon completion of the survival period, you need to submit the claim form along with the following documents to the insurer.
The insurer isn’t liable to pay in case a claim arises out of the following:
You don’t need to undergo a medical checkup if your age is up to 55 years. Insured persons above 55 years of age will be required to undergo a medical checkup. The cost of a pre-policy health checkup shall be reimbursed by the insurer on the issuance of the policy. The company agrees to reimburse up to 50% of the cost of examinations. This will be provided as a refund of the premium to the customer after the policy issuance.
The free look period of 15 days shall be applicable on new individual health insurance policies. However, this norm won’t apply at the time of policy renewal, porting or migration. It starts from the date of receipt of the policy document to review the terms and conditions, and if the same is not acceptable, you can return the policy. If you haven’t made any claims during the free look period, the insurance company will refund the paid premium after the deduction of medical examination expenses and stamp duty charges. Where the risk has already commenced, the insurer will make a deduction towards the proportionate risk premium for the period on the cover. If only a part of the insurance coverage has commenced, such proportionate premium commensurates with the insurance coverage during the free look period.