Health Insurance 883 views June 26, 2021

Chola MS Family Healthline Insurance Plan

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.

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We are showing the highlights of the Chola MS Family Healthline Insurance Plan below. Please check them before we discuss the same in detail.

  1. Option to choose from 4 Different plans with a flexible sum insured
  2. Policy term up to 3 years
  3. In-patient Hospitalization expenses
  4. Pre and Post-Hospitalization expenses
  5. Up to 141 specific Day Care Procedures Cover
  6. Ambulance Expenses Coverage
  7. Newborn baby Hospitalization expenses Cover
  8. Extended hospitalization charges cover
  9. Maternity Expenses Cover
  10. Double sum insured for accidents and critical illnesses
  11. Child hospitalization allowance
  12. Long-term discount on premiums
  13. Tax Benefits up to INR 55,000 under Section 80D of the Income Tax Act, 191
  14. A 15-day free look period

Read through this page to understand these features of the Family Healthline Insurance Plan in detail. Let’s start!

Let’s Understand the Features and Benefits of the Chola MS Family Healthline Insurance Plan in Detail

We are showing the features and benefits of Family Healthline Insurance below that you can enjoy by choosing this plan. Have a look!

What is the Policy Term?

You can choose from multiple policy term options according to your convenience – 1, 2 or 3 years.

Multiple Plan and Flexible Sum Insured Options

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 OptionSum Insured Options (In INR)
Value5, 7.5, 10, 15, 20 or 25 lakh
Freedom3, 5, 7.5, 10, 15, 20 or 25 lakh
Enrich3, 5, 7.5, 10 or 15 lakh
Privilege2, 3, 5, 7.5 or 10 lakh

In-patient Hospitalization Coverage

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.

Day Care Procedures or Treatment Cover

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).

Pre and Post-Hospitalization Expenses Cover

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 OptionPre-Hospitalization Expenses CoveragePost-Hospitalization Expenses Coverage
Value Healthline30 days60 days
Freedom Healthline60 days90 days
Enrich Healthline60 days90 days
Privilege Healthline60 days90 days

AYUSH and Organ Donor Expense Cover

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).

Emergency Ambulance Charges Cover

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).

Maternity Expenses Cover

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.

Additional Benefits

  1. With the Privilege Healthline Option, you will get cover against the cost incurred on the Outpatient Dental Specs/Contact lens/Hearing aids up to INR 10,000 every two years.
  2. With the Enrich and Privilege Healthline option, you will get up to INR 10,000 for extended hospitalization allowance for a minimum of 10 days of hospitalization. Other than this, you will also get a double sum insured for critical illness and accidents.
  3. You can also get cover up to INR 25,000 if you are seeking a specialist opinion regarding the critical illness.

Premium Discounts on Choosing Longer Policy Term

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

Chola MS Family Healthline Insurance Plan Eligibility Criteria

Please check the important conditions related to the Family Healthline Insurance Plan mentioned below.

  1. The minimum entry age ranges from 18 to 65 years.
  2. For dependent children, the entry age ranges from 90 days to 26 years.

What is Not Covered in Chola MS Family Healthline Insurance Plan?

You will not get coverage in the following situations.

  1. War, hostilities whether war declared or not
  2. Any act of intentional self-injury or attempted suicide
  3. Vaccination or inoculation unless due to post-animal bite treatment

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