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Critical Healthline

What is a critical illness cover?

If diagnosed with any of the listed illnesses, Chola MS covers you with a lump sum amount without any hospitalization bill and also covers all other expenses. It is very different from a life insurance policy which only covers the finance of family members, when you are not around. On the diagnosis of a life-threatening illness, Chola MS will cover all the expenses during the period of your hospitalization. It is a named-illness insurance cover, where the insurance will be covered only on the diagnosis of the illnesses mentioned.

Importance of critical illness cover

The Critical Healthline Plan by Chola MS is a comprehensive health insurance plan with first time purchase upto 65 years. Any other standard mediclaim insurance policy may not cover for expenses that arise out of prolonged hospitalization. This policy provides a lump sum for all the expenses without any hospitalization bill, so you can cover your finances comfortably.


Here are some more features of the policy -

How is it different from a standard Mediclaim policy?

This is a Fixed Benefit Policy with flexible Sum Insured options for listed Critical Illness (mentioned in the Policy). Get Income Tax exemption up to Rs 25,000/- under Section 80 D of Income Tax Act for covering yourself, your spouse and dependent children under Chola MS Critical Healthline Insurance.

But isn't a standard Mediclaim policy enough?

Though a Mediclaim insurance covers both minor and critical illness hospitalization expenses, it does not provide for loss of income, mortgage repayments, educational expenses arising out of prolonged hospitalization, etc.

Chola MS Critical Healthline Insurance, on the other hand, gives you a lump sum if diagnosed with any of the listed illness (see list) without any hospitalization bill to help manage critical illness expenses, as well as other financial commitments, comfortably.

What if I already have a life cover?

A life insurance policy pays your family when you are not around. Chola MS Critical Healthline Insurance pays you on the diagnosis of a life-threatening disease.

Reasons to buy Chola MS Critical Healthline Insurance

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

UIN no.CHOHLIP21302V022021 Date of Launch-01/10/2011

  • It is a health cover that offers lifetime renewal
  • It is a fixed benefit policy with flexible sum insured
  • It provides income tax exemption upto Rs. 25,000
  • Under the policy, it is not mandatory to submit proof of hospitalization or any other expenses
    • Lump sum payment for a range of critical illnesses: Fixed Benefit equal to Sum Insured when you are diagnosed with any of the Critical Illnesses as defined in the policy
    • Two plan options to choose from:
      Standard Plan: Covers 10 listed critical illnesses
      Advanced Plan: Covers 12 listed critical illnesses plus ambulance charges of up to ₹1000.
    • Lifetime renewal
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