Chola Healthline

1. Summary of Benefits

  Plans under Chola Healthline Value Healthline Freedom Healthline Enrich Healthline Privilege Healthline
  Sum Insured in INR (In Lacs) 2/3/5/7.5/10 3/5/7.5/10/15 3/5/7.5/10/15/20/25 5/7.5/10/15/20/25

Benefits forming part of Sum Insured opted

a In —Patient Hospitalization Expenses Covered Covered Covered Covered
b Day Care Procedures /Treatment Expenses Covered Covered Covered Covered
c Pre Hospitalization Expenses 30 days 60 days 60 days 60 days
d Post Hospitalization Expenses 60 days 90 days 90 days 90 days
e Domiciliary Hospitalization Expenses per insured person per policy year Max 7 days Max 7 days Max 7 days Max 7 days
f AYUSH Coverage Expenses Covered Covered Covered Covered
g Organ Donor Hospitalization Expenses Covered Covered Covered Covered
h Emergency Ambulance Expenses per Hospitalization ₹ 1000 ₹ 2000 ₹ 2000 ₹ 5000
i Maternity Expenses (Upto 2 deliveries , after 3 onsecutive renewals) No No No upto ₹ 1 laks per delivery
j New Born Baby Hospitalization Expenses No No No Covered upto Sum Insured of Mother / Floater Sum Insured

Co-Payment

a Co-Payment for age above 55 years 10% on all claims for Insured Persons above 55 years of age. No No No

Additional Benefits over the Sum Insured

a Child Hospitalization Allowance per hospitalization No No ₹ 500 per day for 7 days No
b Outpatient Dental Specs/Contact lens/hearing aids No No No ₹ 10.000/- every 2 yrs
c Extended Hospitalization Allowance (Minimum 10 days Hospitalization) No No ₹ 10.000 ₹ 10.000
d Double Sum Insured No No For Critical illness and Accidents For Critical illness and Accidents
e Specialist Opinion for Critical illness No No No ₹ 25000/-

Renewal Benefits

a Health Checkup Expenses No Once after 3 claim free years Once after 2 claim free years Once after 2 claim free years
b Cumulative Bonus 5% of Sum Insured every claim free year subject to maximum of 25% of Sum Insured 5% of Sum Insured every claim free year subject to maximum of 50% of Sum Insured 50% of Sum Insured every claim free year subject to maximum of 100% of Sum Insured 5% of Sum Insured every claim free year subject to maximum of 50% of Sum Insured
c Reduction in Cumulative Bonus in case of claim in the following policy year 5% of Sum Insured 5% of Sum Insured 5% of Sum Insured 5% of Sum Insured
  • Single occupancy AC room is allowed for all Sum Insured except for Rs. 2.0 lakhs. For ₹ 2.0 lakh Sum Insured, the maximum room rent limit per day is ₹ 3,000/-.
  • In the event of the Insured occupying a higher room category than the eligibility under the plan opted, differential room rent would be deducted from the claim amount.
  • In the case of Family Floater Policy, the benefits shown in the table above will represent our maximum liability for any and all claims made by Insured Person(s) during the policy period.
  • We will pay for Medical Expenses incurred in a Day Care Procedure/ Treatment that requires less than 24 hours of hospitalisation, upto Sum Insured mentioned in the policy schedule, if it is performed in a network hospital. In case the procedure is performed in a non-network hospital, the same must be pre-authorised by us. Pre-authorisation has to be obtained at least 72 hours prior to the date of admission in case of planned admission and within 24 hours in case of emergency admission.
  • Please refer policy wordings for detailed benefits.

Chola Healthline is a comprehensive health insurance policy plan which provides insurance coverage for families on Individual as well as on Floater Sum Insured basis. Get yourself insured today!

You can also choose from our customized health insurance plans -  Critical Illness,Super Topup Plans and Hospital Cash Healthline.

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