1800-200-5544 (Accessible from India only)

9144-3098 5300 (For Abroad Customers)

 

What does it cover

Chola MS will provide a Lump Sum Benefit on the first diagnosis of any of the Critical Illnesses covered under the plan. Which means, you have the security of a guaranteed sum in case you or your family member is diagnosed with a critical illness

Chola MS Standard
Critical Healthline
Chola MS Advanced
Critical Healthline
Critical Illnesses
covered

Cancer of Specified
Severity

Stroke Resulting in
Permanent Symptoms

First Heart Attack - of
Specified Severity

Open Chest CABG

Kidney Failure Requiring
Regular Dialysis

Multiple Sclerosis With
Persisting Symptoms

Major Organ / Bone Marrow Transplant

Permanent Paralysis of
Limbs

Surgery to Aorta

Primary Pulmonary
Hypertension

Cancer of Specified
Severity

Stroke Resulting in
Permanent Symptoms

First Heart Attack - of
Specified Severity

Open Chest CABG

Kidney Failure Requiring
Regular Dialysis

Multiple Sclerosis With
Persisting Symptoms

Major Organ / Bone Marrow
Transplant

Permanent Paralysis of
Limbs

Surgery to Aorta

Primary Pulmonary
Hypertension

Parkinson's Disease

Motor Neuron Disease With
Permanent Symptoms

Sum Insured in
Lakhs (RS)
3 / 5 / 10 3 / 5 / 10
Waiting period for
availing of benefits
from first purchase
90 days of commencement
of policy
90 days of commencement
of policy
Emergency
Ambulance
Not covered RS1000 per insured per policy
year

A little note on Survival Period

Survival period is the time period when the disease and its effects become irreversible. In order for the claim for critical illness insurance to be effective, the severity of illness and survival of the insured person beyond the survival period needs to be established.

Here's the detailed list of Survival Period for diseases covered in Critical Healthline

Critical Illnesses Survival period for claim
after diagnosis
Cancer of Specified Severity 30 days
Stroke resulting in
permanent symptoms
90 days
First Heart Attack 30 days
Open chest CABG 30 days
Kidney failure requiring regular dialysis 30 days
Multiple sclerosis 180 days
Major organ or bone marrow transplant 30 days
Permanent paralysis of limbs 180 days
Surgery of Aorta 30 days
Primary pulmonary arterial hypertension 30 days
Parkinson's Disease 180 days
Motor Neuron disease with persistent symptoms 90 days

A little more specifications about the critical illness with clarity on valid and non-valid claims

Cancer of Specified Severity

Malignant tumors including leukemia, lymphomas and sarcomas characterized by uncontrollable growth and spread of malignant cells and the invasion and destruction of normal tissue are eligible for a claim.

Stroke Resulting in Permanent Symptoms

A stroke causing permanent neurological damage, which lasts for more than six months is payable under the policy. Reversible ischaemic attacks and traumatic injuries to brain are excluded.

First Heart Attack - of Specified Severity

First occurrence of Myocardial Infarctions are eligible.

Open Chest CABG

Open chest surgery for the treatment of a block in one or more coronary arteries with bypass grafts (CABG) is eligible for a claim.

Kidney Failure requiring regular Dialysis

A claim is payable when there is failure of both kidneys.

Multiple Sclerosis with persisting symptoms

When the symptoms of Multiple Sclerosis persist for at least six months, a claim is payable.

Major Organ / Bone Marrow Transplant

This policy covers transplant of a heart, lung, liver, kidney, pancreas (excluding the transplantation of the islets of Langerhans only) or bone marrow.

Permanent Paralysis of Limbs

A claim is payable for paralysis when there is a complete and permanent loss of use of both arms or both legs or one arm and one leg, due to paralysis persisting for at least six months.

Surgery of Aorta

When arteries become narrow and need surgical intervention to replace diseased ones with grafts, claims are valid.

Primary Pulmonary Arterial Hypertension

Pulmonary hypertension or abnormally high blood pressure in the arteries of the lungs is eligible for claim.

Parkinson's disease (Covered only in Advanced Plan)

Loss of muscle function and when normal activities are affected due to diseased motor neurons for at least six months is eligible to be covered.

Motor Neuron Disease (Covered only in Advanced Plan)

When motor neurons are diseased, and voluntary muscle activities including speaking, walking, breathing, swallowing and general movement of the body are affected for at least six months, claims can be made.

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