1800-200-5544 (Accessible from India only)

9144-3098 5300 (For Abroad Customers)

 

Benefits

1. Summary of Benefits

Plans under Chola Healthline Value Healthline Freedom Healthline Enrich Healthline Privilege Healthline
Sum Insured in INR (In Lacs) 2/3/5/7.5/10 3/5/7.5/10/15 3/5/7.5/10
/15/20/25
5/7.5/10
/15/20/25
Benefits forming part of Sum Insured opted
a In –Patient Hospitalization Expenses Covered Covered Covered Covered
b Day Care Procedures /Treatment Expenses Covered Covered Covered Covered
c Pre Hospitalization Expenses 30 days 60 days 60 days 60 days
d Post Hospitalization Expenses 60 days 90 days 90 days 90 days
e Domiciliary Hospitalization Expenses per insured person per policy year Max 7 days Max 7 days Max 7 days Max 7 days
f AYUSH Coverage Expenses Covered Covered Covered Covered
g Organ Donor Hospitalization Expenses Covered Covered Covered Covered
h Emergency Ambulance Expenses per Hospitalization Rs 1000 Rs 2000 Rs 2000 Rs 5000
i Maternity Expenses (Upto 2 deliveries , after 3 consecutive renewals) No NO NO Upto Rs 1 lakh per delivery
J New Born Baby Hospitalization Expenses No No No Covered upto Sum Insured of Mother / Floater Sum Insured
Co-Payment
a Co-payment for age above 55 years 10% on all claims for Insured Persons above 55 years of age. No No No
Additional Benefits over the Sum Insured
a Child Hospitalization Allowance per hospitalization NO NO Rs 500 per day for 7 days NO
b Outpatient Dental/ Specs/ Contact lens/hearing aids NO NO No Rs 10,000/- every 2 yrs
c Extended Hospitalization Allowance (Minimum 10 days Hospitalization) NO NO Rs 10,000 Rs 10,000
d Double Sum Insured NO NO For Critical illness and Accidents For Critical illness and Accidents
e Specialist Opinion for Critical illness NO NO No Rs 25,000/-
Renewal Benefits
a Health Checkup Expenses NO Once after 3 claim free years Once after 2 claim free years Once after 2 claim free years
b Cumulative Bonus 5% of Sum Insured every claim free year subject to maximum of 25% of Sum Insured 5% of Sum Insured every claim free year subject to maximum of 50% of Sum Insured 50% of Sum Insured every claim free year subject to maximum of 100% of Sum Insured 5% of Sum Insured every claim free year subject to maximum of 50% of Sum Insured
c Reduction in Cumulative Bonus in case of claim in the following policy year 5% of Sum Insured 5% of Sum Insured 50 % of Sum Insured 5% of Sum Insured

  • Single occupancy AC room is allowed for all Sum Insured except 2 Lakhs. For Rs 2 Lakh Sum Insured the maximum room rent limit per day is Rs 3,000/-
  • In the event of Insured occupying a higher room category than the eligibility under the plan opted, differential room rent would be deducted from the claim amount.
  • In the case of Family floater policy, the benefits shown in the table above will represent our maximum liability for any and all claims made by Insured person(s) during the policy period.
  • We will pay for Medical Expenses incurred in a Day Care Procedure/ Treatment that requires less than 24 hours of hospitalisation, upto Sum Insured mentioned in the policy schedule, if it is performed in a network hospital. In case the procedure is performed in a non network hospital, the same must be pre-authorised by us. Pre-authorisation has to be obtained 72 hours prior to the date of admission in case of planned admission and within 24 hours in case of emergency admission.
  • Please refer policy wordings for detailed benefits.
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