Besides promising quick and hassle-free settlements and a wide range of medical benefits, here's what comes with buying Chola MS Family Health Insurance.

• Term cover - Valid for one year from date of inception
• Entry age up to 45 years
• No medical checkup
• Renewal up to 69 years of age
• No hidden Conditions / Clauses (No Sub-limits for diseases)
• Sum Insured from RS2 Lakhs to RS5 Lakhs
• No hassles of tracking renewals for different members
• Chola MS Wellness Health Alerts Service (CWHAS)

Chola MS Family Health cares for your family just the way you do. The benefits you get with Chola MS Family Health Insurance are:

• Hospitalization expenses including:
  
  • Rooms and Boarding charges
  • Doctor fees
  • ICU charges
  • Nursing expenses
  • Surgeon fees, OT charges
  • Medicines consumed on premises
  • Dressing, splints, casts
  • Implanted prosthetic devices during surgery
  • Organ transplantation costs excluding cost of organ
• Pre-hospitalization expenses up to 60 days
• Post-hospitalization expenses up to 90 days
• Emergency Ambulance expenses
• 141 Day care expenses - Procedures not requiring 24 hrs of hospitalization
• External Aids (related to hospitalized illness and subject to limits))
• Hospital daily allowance(subject to limits)
• Home nursing care allowance (subject to limits)

Please refer to the Policy Wordings for the complete coverages, exclusions and
terms and conditions of the policy.

When you buy a medical insurance policy, it is important to know the product details to avoid discrepancies later. To make things clear, here's a list of exclusions under the Chola MS Individual Healthline policy.

• Any illness diagnosed or diagnosable within 30 days of the effective date of the Policy Period will not be payable, if this is the first Individual Health Policy taken by the Proposer with Chola MS. This condition shall not apply at the time of renewal, in respect of the Limit of Indemnity enjoyed in the previous year. This exclusion shall however apply for the increased Limit of Indemnity, if any.
• Cataracts, Benign Prostatic Hypertrophy, Hysterectomy for Menorrhagia or Fibromyoma, Hernia, Hydrocele, Fistula in anus, Piles, internal congenital disease, Sinusitis and related disorders. This exclusion shall cease to apply if the Policyholder has been covered under a Health Insurance policy with the Insurer for one full year, but if the Policyholder renews the Health Policy with the Insurer and increases the Limit of Indemnity, then this exclusion shall apply only in relation to the amount by which the Limit of Indemnity has been increased on renewal for a further one year period.
• Any expenses for Pre-Existing Conditions will not be payable as defined in the Policy, until 48 consecutive months of coverage for the Insured person have elapsed, since inception of the first Policy with the Insurer. Pre-Existing Condition means any condition, ailment or Injury or related condition(s) for which an Insured Person had signs or symptoms, and / or received medical advice / treatment, within 48 months period prior to his / her first policy with the Insurer.
• War, radioactivity, pregnancy and related illnesses, HIV and related conditions, travel expenses, vaccination, dental expenses, cosmetic treatment expenses, obesity, beauty treatment etc.

The above is only an indicative list of major exclusions. Please refer to the Policy Wordings for the complete coverages, exclusions and terms and conditions of the policy.

Premium Rates Applicable for Family Health plan (Including ST @ 12.36%)

Plan 1 - 2 Adults
Sum Insured / Age Bands
Age of senior most family member	RS2 Lakhs	RS3 Lakhs	RS4 Lakhs	RS5 Lakhs
Age 18 - 35 yrs	RS5,331	RS7,408	RS9,111	RS10,367
Age 36 - 45 yrs	RS5,989	RS8,410	RS10,469	RS11,659

Plan 2 - 2 Adults + 1 Kid
Sum Insured
Age of senior most family member	RS2 Lakhs	RS3 Lakhs	RS4 Lakhs	RS5 Lakhs
Age 18 - 35 yrs	RS6,201	RS8,616	RS10,595	RS12,057
Age 36 - 45 yrs	RS6,968	RS9,780	RS12,177	RS13,561

Plan 3 - 2 Adults + 2 KidS
Sum Insured
Age of senior most family member	RS2 Lakhs	RS3 Lakhs	RS4 Lakhs	RS5 Lakhs
Age 18 - 35 yrs	RS7,076	RS9,823	RS12,087	RS13,748
Age 36 - 45 yrs	RS8,320	RS11,677	RS14,532	RS16,180

Plan 4 - 2 Adults + 3 Kids
Sum Insured
Age of senior most family member	RS2 Lakhs	RS3 Lakhs	RS4 Lakhs	RS5 Lakhs
Age 18 - 35 yrs	RS7,945	RS11,036	RS13,572	RS15,444
Age 36 - 45 yrs	RS9,340	RS13,107	RS16,325	RS18,173

Plan 5 - 1 Adult + 1 Kid
Sum Insured
Age of senior most family member	RS2 Lakhs	RS3 Lakhs	RS4 Lakhs	RS5 Lakhs
Age 18 - 35 yrs	RS5,223	RS7,257	RS8,924	RS10,155
Age 36 - 45 yrs	RS5,869	RS8,241	RS10,258	RS11,423

Plan 6 - 1 Adult + 2 Kids
Sum Insured
Age of senior most family member	RS2 Lakhs	RS3 Lakhs	RS4 Lakhs	RS5 Lakhs
Age 18 - 35 yrs	RS6,092	RS8,465	RS10,415	RS11,846
Age 36 - 45 yrs	RS6,847	RS9,611	RS11,966	RS13,325

Plan 7 - 1 Adult + 3 Kids
Sum Insured
Age of senior most family member	RS2 Lakhs	RS3 Lakhs	RS4 Lakhs	RS5 Lakhs
Age 18 - 35 yrs	RS6,968	RS9,672	RS11,899	RS13,536
Age 36 - 45 yrs	RS8,187	RS11,495	RS14,309	RS15,933

Please Check the nearest Chola MS office for renewal premium

The company may from time to time and subject to IRDA approval, revise premium rates based on experience

The premium rates, terms and conditions at the time of renewal shall apply