Health care is an expensive affair! With medical costs rising by 25% every year, even a minor medical emergency can throw your finances out of gear. It is during such situations that Health insurance comes in handy - helping you manage the financial needs without causing a dent in your savings.

Chola MS Individual Healthline, is a comprehensive health insurance policy that offers cover for a range of health needs including Ayurvedic treatments, Maternity, Dental and Eye care besides regular covers under a standard Mediclaim policy. Its power-packed, best-in-class features, makes it a perfect health plan for you - and your family.

Reasons to choose Chola MS

• An ideal Individual health plan

  - This medical insurance plan is designed to meet the health insurance needs of your loved ones with the benefit of a specific sum insured for each person

• Easy to buy and renew online

  - No documents medical check-up required for online purchase; 100% secure online transaction with a simple 4-step procedure. Online renewal process up to 90 days prior to policy end date.

• Life time Coverage

  : Enjoy the benefit of lifeltime 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 Individual Healthline

• First time purchase till 65 years with lifetime renewal
• Easy purchase up to 55 years (without medicals check-ups or documentation)
• Sum insured upto RS10 Lakhs per person
• Cashless hospitalization at over 2,600 hospitals
• 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 -

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

Chola MS Individual Healthline 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 exhaustive table below gives you all the details to make your decision easier.

Benefits	Standard	Superior	Advanced
Hospitalization
Pre Hospitalization (60 days)
Post Hospitalization (90 days)
Emergency Ambulance
Daily Cash for choosing shared accommodation
General Health Check up & Eye Examination
Minor Accompaniment Daily Cash
Home Hospitalization
Maternity Expenses
Ayurvedic Treatments
OPD Dental
External aids (Specs, Contact lens, Hearing aids)

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

^*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.

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. 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.

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

A discount of 10% on above premium will be available if you agree for 10%
co-payment on all claims under this policy. Please contact our advisor for further details on co-payment.

For more details on risk factors, terms and conditions, please read sales brochure and policy wordings carefully before concluding the sale.

The company from time to time and subject to IRDA approval, will revise the premium rates / terms and conditions based on experience. The premium rates at the time of renewal shall apply.