1800-200-5544 (Accessible from India only)

9144-3098 5300 (For Abroad Customers)

 

What does it cover

Our Health Insurance policy guarantees maximum benefits and hassle-free transactions.

  • 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
Benefits Standard
Individual
Healthline
Superior
Individual
Healthline
Advanced
Individual
Healthline
Sum Insured (SI)
options in
RSLakhs
1 / 2 / 3 / 4 / 5 3.5 / 4.5 / 5.5 4.5 / 5.5 / 7.5 / 10
Claim free bonus
up to 50% of SI
5% of SI every claim free year
Daily Cash for
choosing shared
accommodation
RS250 / day for
a maximum of
7 days with
1 day deductible
RS500 / day for
a maximum of
7 days with
1 day deductible
RS500 / day for
a maximum of
14 days with
1 day deductible
Minor
Accompaniment
Daily Cash
- RS250 / day for
a maximum of
7 days with
1 day deductible
RS250 / day for
a maximum of
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
this 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 Hospitalization - 15% of SI
(Maximum of
RS70,000)
Up to 25% of SI
(Maximum of
RS1 lakh)
Maternity Expenses
(waiting period of
5 years)
- RS15,000 for
normal &
RS25,000 for
caesarean
RS25,000 for
normal &
RS40,000 for
caesarean
Ayurvedic Therapy
Treatments
- - Up to 7.5% of SI
(specific
treatments only)
and 20%
co-payment
OPD Dental
(waiting period
3 years)
- - 1% of SI -
Maximum of
RS5000 with
30% co-payment
External aids -
Spectacles,
Contact lens,
Hearing aids
(waiting period
3 years)
- - 1% of SI -
Maximum of
RS5000 once
in a block of
2 years with
30% co-payment
by insured
Sub limits against
diseases
  • Cataract - 7.5%
    of SI (Maximum
    of RS20,000
    per eye)
  • Hernia or
    Hydrocele - 10%
    of SI (Maximum
    of RS30,000)
  • Fistula in Anus,
    Anal Fissure,
    Piles - 10% of
    SI (Maximum of
    RS30,000)
  • Sinusitis - 10%
    of SI (maximum
    of RS30,000)
  • Tonsilitis or
    Adenoids - 15%
    of SI (Maximum
    of RS40,000)
Cataract - 7.5%
of SI (Maximum
of RS20,000
per eye)
No sub limits
Room, Boarding &
Nursing Expenses
RS1 Lakh -
Non AC room
up to RS1000
per day
AC single room
up to RS3000
per day
SI RS4.5 /
5.5 Lakhs -
AC single room
up to RS3000
per day
SI 2, 3, 4 &
5 Lakhs -
AC single room
up to RS3000
per day
SI - 7.5 &
10 Lakhs
(Maximum 1% of
the SI)
Reduction in claim
free bonus in the
event of claim(s)
during the
policy period
5% 5% 5%
Chola MS Wellness
Service
Option 1 for RS350 per including Service Tax per person
or;
Option 2 for RS500 per including Service Tax 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.

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