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Health Insurance 883 views June 26, 2021
Chola MS Family Healthline Insurance Plan could help protect your family’s health. The reason being this plan covers you and your family against different types of medical emergencies on choosing the floater sum insured basis. With several network hospitals across India, you and your family can enjoy a cashless treatment in any adverse medical condition. One of the reasons behind the popularity of this plan is that it understands the diverse insurance needs of the customers and offers plans accordingly.
We are showing the highlights of the Chola MS Family Healthline Insurance Plan below. Please check them before we discuss the same in detail.
Read through this page to understand these features of the Family Healthline Insurance Plan in detail. Let’s start!
Table of Contents
We are showing the features and benefits of Family Healthline Insurance below that you can enjoy by choosing this plan. Have a look!
You can choose from multiple policy term options according to your convenience – 1, 2 or 3 years.
As we mentioned earlier, you can choose from 4 plans as per your needs – Value, Freedom, Enrich, and Privilege Healthline. Each plan option offers you multiple sum insured options that you can check in the below table.
Plan Option | Sum Insured Options (In INR) |
---|---|
Value | 5, 7.5, 10, 15, 20 or 25 lakh |
Freedom | 3, 5, 7.5, 10, 15, 20 or 25 lakh |
Enrich | 3, 5, 7.5, 10 or 15 lakh |
Privilege | 2, 3, 5, 7.5 or 10 lakh |
If an insured member needs to get hospitalized due to an illness or disease, the policy will cover the expenses up to the chosen sum insured option. In-patient hospitalization coverage includes expenses incurred on room rent charges, doctor’s fees, blood, oxygen, etc.
Under all plan options, the Family Healthline Insurance policy covers up to 141 day care procedures (treatment that does not require a minimum 24-hour hospitalization).
You will also get coverage against the expenses incurred before and after the hospitalization. However, the number of days varies from one plan option to another. To know more, check the below table.
Plan Option | Pre-Hospitalization Expenses Coverage | Post-Hospitalization Expenses Coverage |
---|---|---|
Value Healthline | 30 days | 60 days |
Freedom Healthline | 60 days | 90 days |
Enrich Healthline | 60 days | 90 days |
Privilege Healthline | 60 days | 90 days |
All the insured members will also get coverage against the expenses incurred on AYUSH treatment as well as the hospitalization of organ donors (If an insured member needs to undergo organ transplant surgery).
Chola MS Family Healthline also provides cover for the expenses incurred on the transportation of the insured member to the nearby hospital, up to INR 5,000 per hospitalization (for the Privilege Healthline).
Once you renew your policy three times without any break, you will get coverage against maternity expenses (up to 2 deliveries) up to INR 1 lakh per year. Also, you will be covered for hospitalization expenses of newborn babies up to the sum insured of the mother or on a floater sum insured basis.
Note: This benefit is applicable only on choosing the Privilege Healthline Option.
If you choose a longer policy term, you can get a premium discount of 6% and 12% on a 2 and 3-year policy, respectively.
Other than this, you can also get a 10% discount on the premium if you are living in Tier 2 Locations.
Tier 1 Locations: Mumbai, Chennai, Bengaluru, Kolkata, New Delhi, Gurgaon, Hyderabad, Ahmedabad
Tier 2 Locations: Rest of India excluding Tier 1 Locations
Please check the important conditions related to the Family Healthline Insurance Plan mentioned below.
You will not get coverage in the following situations.