Chola MS will provide a Lump Sum Benefit on the first diagnosis of any of the Critical Illnesses covered under the plan. This means you have the security of a guaranteed sum in case you or your family member is diagnosed with a critical illness.
A little note on Survival Period
Survival period is the time period when the disease and its effects become irreversible. In order for the claim for Critical Illness Insurance to be effective, the severity of illness and survival of the insured person beyond the survival period needs to be established.
Here's the detailed list of Survival Periods for diseases covered in critical healthline.
||Survival period for claim
|Cancer of Specified Severity
|Stroke resulting in
|First Heart Attack
|Open Chest CABG
|Kidney Failure Requiring Regular Dialysis
|Major Organ or Bone Marrow Transplant
|Permanent Paralysis of Limbs
|Surgery of Aorta
|Primary Pulmonary Arterial Hypertension
|Motor Neuron Disease with Persistent Symptoms
A few more specifications about Critical Illness with clarity on valid and non-valid claims:
Cancer of Specified Severity
Malignant tumors including leukemia, lymphomas and sarcomas characterized by uncontrollable growth and spread of malignant cells and the invasion and destruction of normal tissue are eligible for a claim.
Stroke Resulting in Permanent Symptoms
A stroke causing permanent neurological damage, which lasts for more than six months is payable under the policy. Reversible ischaemic attacks and traumatic injuries to brain are excluded.
First Heart Attack — of Specified Severity
First occurrence of Myocardial Infarctions are eligible.
Open Chest CABG
Open chest surgery for the treatment of a block in one or more coronary arteries with bypass grafts (CABG) is eligible for a claim.
Kidney Failure requiring regular Dialysis
A claim is payable when there is failure of both kidneys.
Multiple Sclerosis with persisting symptoms
When the symptoms of Multiple Sclerosis persist for at least six months, a claim is payable.
Major Organ / Bone Marrow Transplant
This policy covers transplant of a heart, lung, liver, kidney, pancreas (excluding the transplantation of the islets of Langerhans only) or bone marrow.
Permanent Paralysis of Limbs
A claim is payable for paralysis when there is a complete and permanent loss of use of both arms or both legs or one arm and one leg, due to paralysis persisting for at least six months.
Surgery of Aorta
When arteries become narrow and need surgical intervention to replace diseased ones with grafts, claims are valid.
Primary Pulmonary Arterial Hypertension
Pulmonary hypertension or abnormally high blood pressure in the arteries of the lungs is eligible for claim.
Parkinson's Disease (covered only in Advanced Plan)
Loss of muscle function and when normal activities are affected due to diseased motor neurons for at least six months is eligible for cover.
Motor Neuron Disease (covered only in Advanced Plan)
When motor neurons are diseased, and voluntary muscle activities including speaking, walking, breathing, swallowing and general movement of the body are affected for at least six months, claims can be made.
Chola MS Critical Healthline is a comprehensive health insurance policy plan which provides health cover for you and your loved ones.
You can also choose from our customized health insurance plans - Chola Healthline, Super Topup Plans and Hospital Cash Healthline.