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Health Insurance 414 views August 4, 2021
Chola Top Up Healthline Plan serves as an add-on to your existing health insurance policy. Suitable for both individuals and families (on a floater sum insured basis), this plan from Chola MS Insurance takes care of high medical costs incurred during hospitalization. The best part is that it offers a high sum insured with a deductible on every claim at an affordable premium amount.
Have a look at the key features of the plan mentioned below to get an overview.
On this page, we will discuss these features extensively to help you make a better decision. Read on to know more.
Table of Contents
Chola Top Up Healthline Plan can boost your existing health insurance coverage with its attractive features. We have talked about the same below.
Under the plan, policyholders can choose from seven different options – A, B, C, D, E, F and G. These plans offer multiple sum insured and deductible options. To know more, check the below table.
Plan Option | Sum Insured (In INR) | Deductible (In INR) |
---|---|---|
A | 50,000 | 30,000 |
B | 2 lakh | 1 lakh |
C | 3 lakh | 2 lakh |
D | 5 lakh | 3 lakh |
E | 6 lakh | 4 lakh |
F | 10 lakh | 5 lakh |
G | 15 lakh | 5 lakh |
Note: Deductible is the amount that a policyholder needs to pay in every admissible claim under the plan.
This plan from Chola MS offers you multiple policy term options – 1, 2 or 3 years. You can save on the premium by choosing a long-duration policy.
Under the Chola Top Up Healthline, the premium amount depends on the sum insured, deductible and the age of the insured person. The minimum amount stands at INR 2,200 for individuals between 3 months to 40 years for Plan A.
If an insured person is hospitalized for the treatment of an illness (Covered under the policy) for a minimum of 24 hours, the policy will cover the following in-patient hospitalization expenses.
The plan will offer room rent coverage as per the below table.
Plan Option | Sum Insured (In INR) | Room Rent Limit Per Day (In INR) |
---|---|---|
A | 50,000 | 500 |
B | 2 lakh | 2,000 |
C | 3 lakh | 4,000 |
D | 5 lakh | 5,000 |
E | 6 lakh | 6,000 |
F | 10 lakh | 7,500 |
G | 15 lakh | 10,000 |
Policyholders will also get coverage against expenses incurred before and after hospitalization for 60 and 90 days, respectively. The pre-hospitalization coverage amount will be up to 5% of in-patient hospitalization claims, whereas post-hospitalization cover will be up to 10% of the admissible hospitalization claim or a maximum of INR 50,000.
If an individual needs to get transported to a nearby hospital via an ambulance, the plan will cover up to INR 3,000 per hospitalization towards the cost incurred on transportation.
If an insured person needs to undergo an organ transplantation surgery, Chola Top Up Healthline Plan will also cover the hospitalization expenses of the organ donor.
Individuals below 55 years of age don’t need to undergo any medical check-up at the time of entering the policy. On the issuance of the policy, Chola MS will also reimburse up to 50% for the cost of pre-policy health checkups.
Have a look at the important conditions related to the Chola Top Up Healthline Plan mentioned below.