Health Insurance 127 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.

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Have a look at the key features of the plan mentioned below to get an overview. 

  1. Multiple Plan Options
  2. Flexible Sum Insured and Deductible Options
  3. In-patient Hospitalization Expenses Cover
  4. Pre and Post-hospitalization Expenses Cover
  5. Emergency Ambulance Charges
  6. Multiple Room Rent Limit Options
  7. Coverage Against Organ Donor Expenses
  8. A 15-day Free Look Period
  9. No Pre-policy Health Checkup
  10. Long Term Policy Coverage Up To 3 years
  11. Tax Benefits Under Section 80D of the Income Tax Act, 1961

On this page, we will discuss these features extensively to help you make a better decision. Read on to know more.

Features and Benefits of the Chola Top Up Healthline in Detail

Chola Top Up Healthline Plan can boost your existing health insurance coverage with its attractive features. We have talked about the same below.

Choose from Multiple Plans According to Your Needs

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 OptionSum Insured (In INR)Deductible (In INR)
A50,00030,000
B2 lakh1 lakh
C3 lakh2 lakh
D5 lakh3 lakh
E6 lakh4 lakh
F10 lakh5 lakh
G15 lakh5 lakh

Note: Deductible is the amount that a policyholder needs to pay in every admissible claim under the plan.

What is the Policy Term?

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.

How Much Premium Will You Need to Pay?

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.

What is Covered Under the Plan?

Hospitalization Expenses Cover

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.

  1. Boarding and nursing
  2. Fees of surgeon, consultant and anesthetist
  3. Cost of blood, oxygen, diagnostic expenses, pacemakers, medicines and drugs, etc.

The plan will offer room rent coverage as per the below table.

Plan OptionSum Insured (In INR)Room Rent Limit Per Day (In INR)
A50,000500
B2 lakh2,000
C3 lakh4,000
D5 lakh5,000
E6 lakh6,000
F10 lakh7,500
G15 lakh10,000

Pre and Post-Hospitalization Expenses Cover

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.

Emergency Ambulance Charges

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.

Hospitalization Expenses of Organ Donor

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.

No Pre-acceptance Medical Screening

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.

Chola Top Up Healthline Plan Eligibility Criteria

Have a look at the important conditions related to the Chola Top Up Healthline Plan mentioned below.

  1. This policy is available for individuals and families and not groups.
  2. The family includes yourself, your spouse and up to three children.
  3. Minimum Entry Age (For Policyholder) – 18 years
  4. Maximum Entry Age (For Policyholder) – 65 years
  5. Minimum Entry Age (For up to 3 Children) – 3 months
  6. Maximum Entry Age (For up to 3 Children) – 19 years
  7. Entry Age for Unmarried Dependent Children – 19 to 26 years

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