Chola Topup Healthline is a Top up plan that provides coverage for higher medical expenses for families on a floating Sum Insured or Individual Sum Insured basis. This policy will pay you upto the Sum insured in excess of deductible in respect of medically necessary costs.
Deductible is a cost sharing requirement under this Policy that provides that the Company will not be liable for medical expenses upto a specified rupee amount of the covered expenses, which will apply before any benefits are payable by the Insurer
Illustration: Mr. Shah has a primary Health Insurance ₹ 3 lakhs and a Top-up Healthline policy for ₹ 5 lakhs with deductible of ₹ 3 lakhs. In the event of a serious hospitalisation with a claim of ₹ 8 lakhs, ₹ 3 lakhs will be paid by his primary insurance and ₹ 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 6500+ Hospitals
- Direct claims settlement through Chola MS HELP - no third party administrator involved
- 30 days grace period for renewal
| Relationships covered
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Entry age limits
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Remarks
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| Self / Spouse
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18 - 65 yrs
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No medical check-up required up to 55 yrs
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| Dependent child
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3 months to 35 yrs*
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No medical check-up required
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UIN no.IRDA/NL-HLT/CHSGI/P-H/V.I/152/13-14
* 35 Yrs for dependent female child and 25 Yrs for dependant male child