With spiralling healthcare costs, your existing health policy could run out of breath in case of a serious hospitalisation. Top up Healthline offers the perfect solution to enhance your cover at an affordable premium.
- Chola Top up Healthline offers financial protection against hospitalisation with a higher sum insured over and above a certain limit called Deductible.
- Deductible is the amount over which the customer agrees to claim for each hospitalisation. The deductible amount will be deducted from the admissible claim for each and every mediclaim policy.
Illustration: Mr. Shah has a primary Health Insurance RS 3 lakhs and a Top-up Healthline policy for RS 5 lakhs with deductible of RS 3 lakhs. In the event of a serious hospitalisation with a claim of RS 8 lakhs, RS 3 lakhs will be paid by his primary insurance and RS 5 lakhs will be paid by his Top up Healthline.
- 7 plans with a variety of Sum Insured / Deductible combinations to suit your primary cover
- 1/2/3 year tenure options - saves the hassle of renewing every year
- Individual and floater options
- First time purchase allowed up to 65 yrs of age
- No medical check-up till 55 yrs of age
- Renewal of policy allowed till lifetime
- Cashless hospitalisation at over 2600 Hospitals
- Direct claims settlement through Chola MS HELP - no third party administrator involved
- 15 days grace period for renewal
| Relationships covered |
Entry age limits |
Remarks |
| Self / Spouse |
18 - 65 yrs |
No medical check-up required up to 55 yrs |
| Dependent child |
3 months to 35 yrs* |
No medical check-up required |
* 35 Yrs for dependent female child and 25 Yrs for dependant male child
| Plan Option |
A in RS |
B in RS |
C in RS |
D in RS |
E in RS |
F in RS |
G in RS |
Hospitalisation Sum insured (over deductible)
in RS |
50,000 |
2 lakhs |
3 lakhs |
5 lakhs |
6 lakhs |
10 lakhs |
15 lakhs |
| Deductible in RS |
30,000 |
1 lakh |
2 lakhs |
3 lakhs |
4 lakhs |
5 lakhs |
5 lakhs |
| Total Hospitalisation Expenses in RS |
80,000 |
3 lakhs |
5 lakhs |
8 lakhs |
10 lakhs |
15 lakhs |
20 lakhs |
| Room charges per day limit in RS |
500 |
2,000 |
4,000 |
5,000 |
6,000 |
7,500 |
10,000 |
| Pre-hospitalisation Benefits |
Expenses up to 60 days before hospitalisation. Up to 5% of admissible hospitalisation claim payable. |
| Post-hospitalisation Benefits |
Expenses up to 90 days after hospitalisation. Up to 10% of admissible hospitalisation claim payable or RS 50,000 whichever is less. |
| Emergency Ambulance |
Up to RS 3,000 per hospitalisation |
Hospitalisation includes doctors' fee, nursing, room charges (subject to per day limits as mentioned in the policy schedule), ICU charges, diagnostics, medicines, anaesthesia, blood, oxygen, operation theatre charges, surgical appliances, prosthetic and other devices implanted internally during a surgical procedure, hospitalisation expenses of organ donor.
The total amount payable under this policy per year for all sub sections as above put together shall not exceed the sum insured for the insured persons (floater sum insured in the case of family coverage) as shown in the policy schedule.
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.
Main Exclusions
- Any Pre-Existing Condition / Disease as defined in the policy until 48 months of continuous coverage have elapsed, since inception of the first policy with Us.
- Any illness contracted by you during the first 30 days from the commencement date of the policy.
- Expense incurred during the first year of operation of the Insurance on treatment of diseases such as Cataract, Hernia / Hydrocele, Benign Prostate Hypertrophy, Hysterectomy (non-malignant), Fistula in Anus, Anal Fissure, Piles, Sinusitis, Gall Bladder Stones, Gastric or Duodenal ulcer, Tonsilitis or Adenoids, Breast lumps, Cysts, nodules or polyps, Congenital internal diseases / conditions.
- Expense incurred in the first two Years of continuous operation of Insurance cover on Hospitalisation treatment for Hysterectomy for Menorrhagia or Fibromyoma, knee replacement surgery (other than caused by an accident) Joint Replacement Surgery (other than caused by an accident), Arthritis, Spondylosis / Spondylitis, Renal Failure, Hypertension, Diabetes, Prolapse of intervertebral disc (other than caused by accident), Varicose veins and Varicose ulcers.
Refer policy wordings for further details.
| Premium in Rs ( Includes Service Tax @12.36%) |
| ONE YEAR PREMIUMS |
| Plan |
Coverage / Deductible |
No. of Members / Age |
3 months to 40 years |
40 years to 65 years |
65 years to 70 years |
| Plan A |
50000 / 30000 |
1 Member |
2,472 |
3,809 |
4,672 |
| 2 Members |
2,787 |
4,457 |
5,536 |
| 3 Members |
3,101 |
5,106 |
6,400 |
| 4 Members |
3,352 |
5,625 |
7,092 |
| 5 Members |
3,566 |
6,065 |
7,680 |
| Plan B |
2 lakhs / 1 lakh |
1 Member |
2,639 |
4,111 |
4,997 |
| 2 Members |
2,996 |
4,836 |
5,942 |
| 3 Members |
3,352 |
5,561 |
6,888 |
| 4 Members |
3,637 |
6,139 |
7,644 |
| 5 Members |
3,879 |
6,633 |
8,287 |
| Plan C |
3Lacs / 2Lacs |
1 Member |
2,992 |
4,737 |
5,740 |
| 2 Members |
3,436 |
5,618 |
6,872 |
| 3 Members |
3,881 |
6,498 |
8,003 |
| 4 Members |
4,236 |
7,202 |
8,908 |
| 5 Members |
4,538 |
7,801 |
9,678 |
| Plan D |
5 lakhs / 3 lakhs |
1 Member |
3,546 |
5,687 |
6,847 |
| 2 Members |
4,128 |
6,805 |
8,255 |
| 3 Members |
4,711 |
7,923 |
9,664 |
| 4 Members |
5,178 |
8,817 |
10,790 |
| 5 Members |
5,574 |
9,576 |
11,748 |
| Plan E |
6 lakhs / 4 lakhs |
1 Member |
3,551 |
5,585 |
6,639 |
| 2 Members |
4,134 |
6,679 |
7,994 |
| 3 Members |
4,718 |
7,772 |
9,351 |
| 4 Members |
5,185 |
8,646 |
10,436 |
| 5 Members |
5,582 |
9,389 |
11,357 |
| Plan F |
10 lakhs / 5 lakhs |
1 Member |
4,002 |
6,220 |
7,274 |
| 2 Members |
4,699 |
7,471 |
8,789 |
| 3 Members |
5,396 |
8,723 |
10,305 |
| 4 Members |
5,953 |
9,724 |
11,516 |
| 5 Members |
6,427 |
10,574 |
12,546 |
| Plan G |
15 lakhs / 5 lakhs |
1 Member |
4,522 |
7,025 |
8,163 |
| 2 Members |
5,349 |
8,478 |
9,900 |
| 3 Members |
6,175 |
9,930 |
11,637 |
| 4 Members |
6,837 |
11,092 |
13,027 |
| 5 Members |
7,400 |
12,081 |
14,209 |
| TWO YEAR PREMIUMS |
| Plan |
Coverage / Deductible |
No. of Members / Age |
3 months to 40 years |
40 years to 65 years |
65 years to 70 years |
| Plan A |
50000 / 30000 |
1 Member |
4,749 |
7,311 |
8,965 |
| 2 Members |
5,352 |
8,554 |
10,623 |
| 3 Members |
5,954 |
9,797 |
12,279 |
| 4 Members |
6,436 |
10,791 |
13,605 |
| 5 Members |
6,846 |
11,637 |
14,730 |
| Plan B |
2 lakhs / 1 lakh |
1 Member |
5,070 |
7,892 |
9,588 |
| 2 Members |
5,753 |
9,280 |
11,400 |
| 3 Members |
6,435 |
10,669 |
13,211 |
| 4 Members |
6,982 |
11,779 |
14,662 |
| 5 Members |
7,446 |
12,723 |
15,893 |
| Plan C |
3Lacs / 2Lacs |
1 Member |
5,746 |
9,090 |
11,014 |
| 2 Members |
6,598 |
10,779 |
13,182 |
| 3 Members |
7,449 |
12,466 |
15,351 |
| 4 Members |
8,130 |
13,816 |
17,085 |
| 5 Members |
8,710 |
14,964 |
18,561 |
| Plan D |
5 lakhs / 3 lakhs |
1 Member |
6,808 |
10,910 |
13,135 |
| 2 Members |
7,925 |
13,053 |
15,835 |
| 3 Members |
9,042 |
15,196 |
18,534 |
| 4 Members |
9,935 |
16,909 |
20,692 |
| 5 Members |
10,694 |
18,366 |
22,528 |
| Plan E |
6 lakhs / 4 lakhs |
1 Member |
6,816 |
10,718 |
12,736 |
| 2 Members |
7,935 |
12,812 |
15,335 |
| 3 Members |
9,054 |
14,907 |
17,934 |
| 4 Members |
9,949 |
16,582 |
20,014 |
| 5 Members |
10,711 |
18,007 |
21,780 |
| Plan F |
10 lakhs / 5 lakhs |
1 Member |
7,682 |
11,933 |
13,954 |
| 2 Members |
9,017 |
14,332 |
16,857 |
| 3 Members |
10,353 |
16,729 |
19,761 |
| 4 Members |
11,421 |
18,648 |
22,083 |
| 5 Members |
12,329 |
20,279 |
24,057 |
| Plan G |
15 lakhs / 5 lakhs |
1 Member |
8,679 |
13,476 |
15,657 |
| 2 Members |
10,263 |
16,261 |
18,987 |
| 3 Members |
11,848 |
19,045 |
22,317 |
| 4 Members |
13,116 |
21,272 |
24,980 |
| 5 Members |
14,193 |
23,165 |
27,244 |
| THREE YEARS PREMIUM |
| Plan |
Coverage / Deductible |
No. of Members / Age |
3 months to 40 years |
40 years to 65 years |
65 years to 70 years |
| Plan A |
50000 / 30000 |
1 Member |
6,808 |
10,452 |
12,806 |
| 2 Members |
7,665 |
12,220 |
15,161 |
| 3 Members |
8,523 |
13,988 |
17,517 |
| 4 Members |
9,208 |
15,402 |
19,402 |
| 5 Members |
9,790 |
16,605 |
21,005 |
| Plan B |
2 lakhs / 1 lakh |
1 Member |
7,264 |
11,278 |
13,690 |
| 2 Members |
8,236 |
13,253 |
16,266 |
| 3 Members |
9,207 |
15,227 |
18,844 |
| 4 Members |
9,983 |
16,806 |
20,906 |
| 5 Members |
10,644 |
18,148 |
22,659 |
| Plan C |
3Lacs / 2Lacs |
1 Member |
8,226 |
12,982 |
15,718 |
| 2 Members |
9,437 |
15,383 |
18,802 |
| 3 Members |
10,648 |
17,783 |
21,887 |
| 4 Members |
11,618 |
19,703 |
24,354 |
| 5 Members |
12,442 |
21,336 |
26,451 |
| Plan D |
5 lakhs / 3 lakhs |
1 Member |
9,736 |
15,571 |
18,736 |
| 2 Members |
11,325 |
18,618 |
22,574 |
| 3 Members |
12,912 |
21,665 |
26,412 |
| 4 Members |
14,184 |
24,103 |
29,483 |
| 5 Members |
15,264 |
26,175 |
32,095 |
| Plan E |
6 lakhs / 4 lakhs |
1 Member |
9,748 |
15,297 |
18,167 |
| 2 Members |
11,339 |
18,275 |
21,863 |
| 3 Members |
12,932 |
21,255 |
25,560 |
| 4 Members |
14,205 |
23,638 |
28,517 |
| 5 Members |
15,287 |
25,663 |
31,030 |
| Plan F |
10 lakhs / 5 lakhs |
1 Member |
10,979 |
17,025 |
19,899 |
| 2 Members |
12,879 |
20,436 |
24,028 |
| 3 Members |
14,778 |
23,847 |
28,159 |
| 4 Members |
16,298 |
26,577 |
31,462 |
| 5 Members |
17,589 |
28,896 |
34,270 |
| Plan G |
15 lakhs / 5 lakhs |
1 Member |
12,397 |
19,220 |
22,323 |
| 2 Members |
14,651 |
23,180 |
27,059 |
| 3 Members |
16,905 |
27,141 |
31,793 |
| 4 Members |
18,708 |
30,308 |
35,582 |
| 5 Members |
20,241 |
33,001 |
38,802 |
All premiums include service tax at 12.36%
Premium based on age of Senior most member of family.
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.