Your family is precious to you, and when it comes to meeting their healthcare needs you don't want to make any compromises. A Health Insurance is a perfect solution that guarantees you peace of mind from health-related financial worries.

Chola MS Family Healthline is an ideal Health Insurance policy suited for young families. Comprehensive and versatile, this medical insurance plan offers cover for a range of health needs including Ayurvedic treatments, Maternity, Dental and Eye care besides regular covers provided by a standard Mediclaim policy. It covers you, your spouse and children with a Floater Sum insured which – allows any family member to claim up to the full sum insured.

Reasons to choose Chola MS

• Lifelong Coverage: Enjoy the benefit of lifelong renewal
• Easy and quick claim settlement procedures – Cashless claims and reimbursements are made through our caring and responsive in-house Claims team

Unique features of Chola MS Family Healthline

• First time purchase till 65 years with lifetime renewal
• Easy purchase up to 55 years (without medicals check-up)
• Floater Sum insured upto RS.15 Lakhs
• Cashless hospitalization at over 2,600 hospitals
• Customize your policy as per your family size
• Direct claims settlement through Chola MS Help - no third party administrator involved
• In case of no claim, we increase your Sum insured (Claim Free Bonus)
• Also covers 141 day care procedures that do not require Hospitalisation.

Relationships covered	Entry Age limits	Plans	Remarks
Self / Spouse	18 - 65 years	Standard / Superior / Advanced	No medical check up required up to 55 years
Dependent Child	3 months - 35 years*	Standard / Superior / Advanced	No medical check up required

* 35 Years for dependent female child and 25 Years for dependent male child.

Chola MS Family Healthline insurance is available in three variants, giving you the flexibility and freedom to choose a plan according to your needs.

The benefits covered and the premium amount will depend on the healthcare plan you choose. The ready-reckoner table below gives you all the details to mae your decision easier.

BENEFITS	Standard Family Health line	Superior Family Health line	Advanced Family Health line
Floater Sum Insured SI options in RSLakhs	2/3/4/5	4/6/8/10	6/8/10/12/15
Claim-free bonus up to 50% of SI	5% of SI every claim free year
Daily Cash for choosing shared accommodation	RS250 per day for max 7 days with 1 day deductible	RS500 per day for max 7 days with 1 day deductible	RS500 per day for max 14 days with 1 day deductible
Minor Accompaniment Daily Cash	-	RS250 per day for max 7 days with 1 day deductible	RS250 per day max 14 days with 1 day deductible.
General Health Check-up & Eye Examination	0.5% of SI once after every two continuous claim free renewals, excluding the year in which t is benefit is claimed	0.75% of SI once after every two continuous claim free renewals, excluding the year in which this benefit is claimed	1.0% of SI once after every two continuous claim free renewals, excluding the year in which this benefit is claimed
Emergency Ambulance	RS1000 per insured per policy year	RS2000 per insured per policy year	RS3000 per insured per policy year
Home Hospitalisation	-	15% SI max RS70,000	Up to 25% SI max RS1 lakh
Maternity Expenses, waiting period 5 years	-	RS15,000 Normal / RS25,000 Caesarean	RS25,000 Normal / RS40,000 Caesarean
Ayurvedic Therapy Treatments.	-	-	Up to 7.5% of SI - Specific treatments only and 20% co-payment
OPD Dentalwaiting period 3 years	-	-	1% of SI max RS5000 with 30 % co-payment
External aids (Specs , Contact Lens, Hearing aids) waiting period 3 years	-	-	1% of SI max RS5000 once in a block of 2 years with 30% co-payment by insured
Sub-limits Against Diseases	Cataract - 7.5% of SI, max RS20,000 per eye Hernia or Hydrocele -10% of SI, max RS30,000 Fistula in Anus, Anal Fissure, Piles - 10% of SI, max RS30,000 Sinusitis -10% of SI, max RS30,000 Tonsilitis or Adenoids -15% of SI, max RS40,000	Cataract - 7.5% of SI, max RS20,000 per eye	No Sub-limits
Room, Boarding & Nursing Expenses	Up to 1% of the sum insured
Reduction in Claim Free Bonus in the event of claim(s) during the policy period	10%	7.5%	5%
Chola MS Wellness Service*	Option 1 for RS350 including ST per person or Option 2 for RS500 including ST per person

*Chola MS Wellness Service is an innovative messaging service that keeps a constant check on your health by sending SMS reminders at no additional cost for one member (option 1above) for the policy period. For additional members charges shall apply.

Our Health Insurance policy guarantees maximum benefits with a host of value-added features. Here's what all it covers.

• Hospitalization expenses
  
  • Room and boarding
  • Doctors fees
  • Intensive Care Unit
  • Nursing expenses
  • Surgical fees, operating theatre, anesthesia and oxygen and their administration
  • Physical therapy expenses
  • Drugs and medicines consumed on the premises
  • Hospital miscellaneous services (such as laboratory, x-ray, diagnostic tests)
  • Cost of dressing, ordinary splints and plaster casts
  • Costs of prosthetic devices if implanted during a surgical procedure
  • Organ transplantation including the treatment costs of the donor but excluding the costs of the organ
• Pre-hospitalization expenses up to 60 days
• Post-hospitalization expenses up to 90 days
• Emergency ambulance expenses
• 141 day care procedures not requiring hospitalization

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

• Benefits will not be available for pre-existing conditions until 48 months of continuous coverage from first policy start date.
• Expenses during the first 30 days of commencement of policy except in the case of accidents.This is not applicable for renewed policies.
• Any illness diagnosed or diagnosable within 30 days of the effective date of the policy period if this is the first Health policy taken by the proposer with the Insurer. If the Insured renews an Individual Health or family floater policy with the Insurer (Insurer's own renewal OR renewal of other General Insurance Company's policy without any break) and increases the Limit of Indemnity (other than as a result of the application of General Condition D7), then this exclusion shall apply in relation to the amount by which the Limit of Indemnity has been increased. This exclusion is not applicable in case of accidental hospitalisation.

Following diseases are excluded during the first and second year of inception of policy with the Insurer.

Illnesses excluded for One year

Illnesses excluded for Two years

Cataract, Benign Prostatic Hypertrophy, Hysterectomy for Menorrhagia or Fibromyoma, Hernia, Hydrocele, Fistula, Piles, Sinusitis & related disorders, Gallstones.

Spondylitis, Spondylosis, Knee / Hip joint replacement, Internal congenital diseases, Osteoarthritis of any joint, Calculus diseases of gall bladder and urogenital, Gastric & duodenal ulcers, Internal Tumours, cysts, nodules, polyps including breast lumps (each of any kind unless malignant), Gout & Rheumatism, ENT disorders & Surgery, Surgery of genitourinary system, Surgery for prolapsed inter vertebral disk, Surgery of varicose veins & varicose ulcers, Surgery on tonsils.

If these diseases are pre-existing at the time of proposal, the same will be considered under the policy as per general exclusion number 1 above.

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

Above premium includes service tax at 12.36 %

Please check with nearest Chola MS office for renewal premium above 65 yrs

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

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