Chola Individual Healthline Insurance Plan

What is the Plan all About?

Individual Healthline Insurance is a health policy that secures your finances against medical emergencies. This health plan provides medical cover for each person on an individual sum insured basis.

3 plan variants can be opted under this plan:

Standard
Superior
Advanced

Key Features

Comprehensive health cover for family
Flexible sum insured options
Multiple plan options
No pre-policy medical check-up up to 55 years
Cashless hospitalization across 3500+ network hospitals
24x7 in-house claims assistance team
Lifetime renewability
4-step easy procedure to buy plan online

Policy Benefits

In-patient hospitalization expenses are covered as mentioned in the Policy.
Pre & Post hospitalization expenses are covered up to a maximum of 60 & 90 days respectively.
141 and other listed day care procedures/surgeries which need the insured to be hospitalized for less than 24 hours are covered.
Daily Cash is available upon choosing shared accommodation and is applicable for a maximum of 7/14 days, as per the plan chosen.
Minor accompaniment daily cash benefit is applicable for Superior and advanced plan up to a maximum of 7/14 days, as per the plan chosen.
Home hospitalization expenses are covered under this plan. This benefit is applicable for Superior and Advanced Plan.
Maternity expenses are covered. This benefit is applicable for Superior and Advanced Plan.
Ayurvedic therapy treatments are covered. This benefit is applicable to Advanced Plan.

Value Added Benefits

Cumulative Bonus of 5% increase in sum insured for each claim free policy year, to a maximum of 50% of the sum insured.
Sum Insured can be enhanced at the time of policy renewal.
Health check-up and eye examination is covered up to the limits specified in the policy. This benefit is applicable after 2 continuous claim free policy years.
50% cost of pre-policy medical check-up is reimbursed on issuance of the policy.
Emergency ambulance charges are covered under this plan.
OPD dental expenses are covered. This benefit is applicable for Advanced Plan.
Expenses incurred towards external aids (spectacles, contact lenses, hearing aids, etc) are covered once in a block of 2 years. This benefit is applicable for Advanced Plan.
Chola Wellness health alerts service is available for one member in each policy without any additional cost.
Avail tax benefits u/s 80D as per IT Act, 1961 for premium paid for this plan.

Sub Limits

AC single room up to Rs 3000 per day for Standard Plan and Superior Plan. For Advanced Plan, under SI 4.5/5.5 Lacs, AC single room up to Rs 3000 per day and under SI 7.5/10 Lacs, maximum 1% of sum insured.
20% co-pay applies for specified Aurvedic therapy treatments. 30% co-pay applies for both OPD dental expenses and external aids.
Ambulance charges are payable as Rs 1000, Rs 2000 & Rs 3000 for Standard, Superior & Advanced Plan respectively.
When choosing shared accommodation,Daily Cash benefit of Rs 250 per day with 1 day deductible for Standard Plan and Rs 500 per day with 1 day deductible for Superior and Advanced Plan.
Minor accompaniment daily cash of Rs 250 per day with 1 day deductible.
For Superior Plan, home hospitalization up to 15% of SI, to a maximum of Rs 70,000 and for Advanced Plan, it is capped up to 25% of SI, to a maximum of Rs 1 Lac.
For Superior Plan, maternity expenses up to Rs 15,000 and Rs 25,000 for normal & Caesarean delivery. For Advanced Plan, maternity expenses up to Rs 25,000 and Rs 40,000 for normal & Caesarean delivery.
Ayurvedic therapy treatments up to 7.5% of the sum insured.
OPD dental expenses and external aids up to 1% of the sum insured, up to a maximum of Rs 5000.
Other Sub-limits (applicable for Standard plan):

Cataract - 7.5% of SI upto Rs.20,000 per eye (under Standard & Superior Plan)
Hernia/Hydrocele - 10% of SI upto Rs.30,000
Fistula in Anus, Anal Fissure, Piles - 10% of SI Upto Rs.30,000
Sinusitis - 10% of SI upto Rs.30,000
Tonsilitis or Adenoids - 15% of SI Upto Rs.40,000

Waiting Period Clause

Initial Waiting Period: A waiting period of 30 days from the inception date for all hospitalization claims except in case of accidents.
Specific Waiting Period: Specific illnesses such as Hernia, Hydrocele, Cataract, etc. are covered after 12 months of continuous policy coverage and other illnesses such as Spondylitis, ENT Disorders, Internal Congenital Anomaly, etc. are covered after 24 months of continuous policy coverage.
Pre existing Disease Waiting Period: Any pre-existing ailment/injury that was diagnosed /acquired within 48 months from the issuance of the first policy.
Maternity Waiting period: Maternity expenses are covered after a continuous policy coverage for 5 years.
OPD Dental Waiting Period: OPD Dental medical expenses are covered after a continuous policy coverage for 3 years.
External Aids Waiting Period: Expenses incurred towards external aids are covered after a continuous policy coverage for 3 years.

Who can Buy the Plan?

Factor	Minimum	Maximum
Age (as on last birthday)	Adult: 18 Years	Adult: 65 Years
Sum Assured	3 Lacs	10 Lacs
Cover Type	Individual/Family Floater	-
Policy Tenure	1 Year	1 Year
Grace Period	30 Days	-
Free Look Period	15 Days	-
Riders	Nil	-