Chola MS Critical Healthline Plan

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Chola MS Critical Healthline

	Objective		It aims to provide financial respite in case the insured person contracts a listed critical illness. The lump sum benefit can be utilized as per the policyholder's discretion.
Suited for		Though, it can be opted by anyone who fulfills the eligibility criteria, it is highly recommended for people with family history of any dreadful disease.
What does it do?		It pays a lump sum on confirmed diagnosis of any of the listed critical illnesses. Each critical illness has a waiting period, starting from commencement of the policy, during which it cannot be claimed. There are two plans to choose from- Standard and Advanced plan, covering 10 and 12 critical illnesses respectively.
Pros		It allows lifetime renewal. It offers lower premium for women. Policy premium qualifies for taxation benefit under section 80D of Income Tax Act
Our View		One should not be reluctant in purchasing a critical illness cover if there is a family history of any dreadful disease. Along with basic policy, this policy will pay a lump sum in case of illnesses that require huge expenses for treatment. This is a recommended policy as the cover can be renewed till lifetime.
Eligibility
Entry Age (years)
Minimum			18; 5 for Children
Maximum			65; 25 for Children
Maximum Policy Renewal Age (years)			Lifetime
Coverage Type			Individual/ family
Policy Term (years)			1
Sum Insured (Rs)
Maximum			10 lakh
Minimum			3 lakh
Customer Service
Address			Registered Office:Cholamandalam MS, General Insurance Company Ltd, 2nd Floor, "Dare House", No.2, NSC Bose Road, Chennai - 600001, India
Mail to			customercare@cholams.murugappa.com
Call to			044-3044 5400, 1800-200-5544 (Toll Free)
SMS			SMS "CHOLA" to 56677
Network Hospitals			Http://www.cholainsurance.com/nwhosp/

 

	Scope of Cover
		Standard Critical Healthline		Advanced Critical Healthline
Critical illnesses (Survival Period in days)
Cancer of specified severity(30)		covered		covered
Stroke resulting in permanent symptoms(90)		covered		covered
First Heart Attack(30)		covered		covered
Open chest CABG(30)		covered		covered
Kidney Failure RequiringRegular Dialysis(30)		covered		covered
Multiple Sclerosis with persisting symptoms(180)		covered		covered
Major organ/ bone marrow transplant(30)		covered		covered
Permanent paralysis of limbs(180)		covered		covered
Surgery of Aorta(30)		covered		covered
Primary Pulmonary hypertension(30)		covered		covered
Parkinson's disease(180)		NA		covered
Motor Neuron Disease With Permanent Symptoms(90)		NA		covered
Emergency Ambulance		NA		covered upto Rs 1000 per insured per policy year

 

	Exclusions and Waiting Period
Pre-existing diseases		not covered
No claim Period		90 days from commencement of the policy
Survival period		as stated under scope of cover

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