Apart from providing quality customer service and financial peace of mind our policies come with a host of superior benefits. Here's what the Individual Health policy from Chola MS has to offer:

• Term cover valid for one year from date of inception
• Maximum entry age 55 years (Primary Insured)
• Medical check exempted up to 45 years
• Dependent parents covered (Maximum entry age up to 65 years)
• Renewal up to 69 years of age
• No sub-limits for diseases
• Sum Insured from RS50,000 to RS10,00,000
• Cumulative Bonus benefit allowing automatic increase of 5% in the sum insured for each claim free year (up to a maximum of 50%)
• Option to cover family members under same policy with a family discount on total premium
• Extra health care cover option for (on payment of extra premium and subject to limits)
  
  • General Health check up
  • Eye Examination
  • Hospital Daily allowance
  • Chola MS Wellness Health Alerts Service (CWHAS)

Our Individual Health Insurance policy comes with a wide range of health care benefits so that you don't need to depend on anybody or compromise on your savings during an emergency. Here’s what all it covers:-

• Hospitalization expenses including:
  
  • Room and Boarding charges
  • Doctor fees
  • ICU charges
  • Nursing Expenses
  • Surgeon Fees, OT charges
  • Cost of medicines consumed on premises
  • Cost of dressing, splints, casts related to hospitalization
  • 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 with limit based on sum insured
• 141 day care expenses - procedures not requiring 24 hours of hospitalization

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

• Any illness diagnosed or diagnosable within 30 days of the effective date of the policy period will not be payable, if this is your first Individual Health Policy with Chola MS. This condition is also ruled out at the time of renewal, in respect of the limit of indemnity enjoyed in the previous year. This exclusion will however apply for the increased limit of indemnity, if any.
• Expenses arising out of medical conditions like Cataracts, Benign Prostatic Hypertrophy, Hysterectomy for Menorrhagia or Fibromyoma, Hernia, Hydrocele, Fistula in anus, Piles, internal congenital disease, Sinusitis and related disorders.
• Expenses for Pre-Existing Conditions will not be payable until 48 consecutive months of policy have elapsed, since inception of the first policy with the insurer. Pre-Existing Condition refers to any condition, ailment or injury or related condition(s) for which you have shown signs or symptoms, and/or received medical advice / treatment, within 48 months prior to your first policy with Chola MS.
• 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.

Chola MS Individual Health Insurance Rates including 12.36 % Service Tax

Basic Health Cover Plans

Plan Type	A	B	C
Sum Insured	RS 1 Lakh	RS 1.50 Lakhs	RS 2 Lakhs
Age < 18 yrs.	RS 1,643	RS 2,259	RS 2,877
Age 18 - 35 yrs.	RS 1,907	RS 2,625	RS 3,345
Age 36 - 45 yrs.	RS 2,117	RS 2,883	RS 3,724
Age 46 - 55 yrs.	RS 3,059	RS 4,247	RS 5,426
Age 56 - 65* yrs.	RS 4,313	RS 6,033	RS 7,743

Basic + Extra Health Cover Plans

Plan Type	A	B	C
Sum Insured	RS 1 Lakh	RS 1.50 Lakhs	RS 2 Lakhs
Age < 18 yrs.	RS 1,811	RS 2,490	RS 3,167
Age 18 - 35 yrs.	RS 2,137	RS 2,931	RS 3,724
Age 36 - 45 yrs.	RS 2,376	RS 3,222	RS 4,145
Age 46 - 55 yrs.	RS 3,337	RS 4,627	RS 5,915
Age 56 - 65* yrs.	RS 4,676	RS 6,541	RS 8,392

All premium shown above includes Service Taxes at current applicable rates of (12.36%).

* Only for dependant parents.

Chola MS Wellness Health Alerts Service Package Rates (To be added to the policy premium)

For Policies with Base Sum Insured	RS1 Lakh to RS2 Lakhs Tier I	Above RS2 Lakhs up to RS5 Lakhs Tier II	Above RS5 Lakhs Tier III
Applicable package rate for covering one person in each policy.	RS175	RS350	RS500