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Cholamandalam-ms Critical Healthline Plan: Features, Benefits, Review

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Chola MS Critical Healthline policy is a benefit plan which offers fixed benefit (a lump sum amount of compensation equal to sum insured) up on diagnosis of any critical illness. The lump sum amount offered is irrespective of the hospitalization or recovery expenses. Thus, it would help to overcome financial loss over and above the hospitalization expense. The Critical Healthline plan has two variants namely Standard and Advanced. The main difference between the two plans is the number of illnesses covered. Given below is the detailed structure of benefit offered under this plan.

Plan variants –

Standard and Advanced

Main highlights of the plan –

Some of the important features of Chola MS Critical Healthline are:

  1. It gives an individual option to choose from two variants namely Standard or Advanced.

  2. The Advanced variant of this plan covers emergency ambulance expense post diagnosis of critical illness.

  3. Critical illness cover under Advanced variant includes coverage for Parkinson’s disease and motor neuron disease showing permanent symptoms.

Scope of cover –

  1. The individual between age 5 years up to 65 years can be covered in the plan. There is no pre-policy health checkup up to age 55 years for healthy individual without any pre-existing disease. However, for those having pre-existing conditions a health checkup might be required before policy is issued.

  2. Sum insured– There are three sum insured options available for both the variants each of INR 3,00,000; INR 5,00,000 and INR 10,00,000 respectively.

NUMBER OF AILMENTS–

The Chola MS Critical Health Insurance's Healthline policy offers coverage for 10 - 12 critical illnesses.

Eligibility –

Individual coverage only

Coverage and benefits –

Most important:

LIST OF CRITICAL ILLNESSES COVERED UNDER STANDARD PLAN –

  1. Cancer of Specified Severity
  2. Stroke Resulting In Permanent Symptoms
  3. Open Chest CABG
  4. First Heart Attack – Of Specified Severity
  5. Primary Pulmonary hypertension
  6. Multiple Sclerosis with Persisting Symptoms
  7. Major Organ /Bone Marrow Transplant
  8. Permanent Paralysis of Limbs
  9. Surgery to Aorta
  10. Kidney Failure Requiring Regular Dialysis

LIST OF CRITICAL ILLNESSES COVERED UNDER ADVANCED PLAN-

  1. Cancer of Specified Severity
  2. Stroke Resulting In Permanent Symptoms
  3. Open Chest CABG
  4. First Heart Attack – Of Specified Severity
  5. Primary Pulmonary hypertension
  6. Multiple Sclerosis with Persisting Symptoms
  7. Major Organ /Bone Marrow Transplant
  8. Permanent Paralysis of Limbs
  9. Surgery to Aorta
  10. Kidney Failure Requiring Regular Dialysis
  11. Motor Neuron Disease with Permanent Symptoms
  12. Parkinson’s disease

Note- For any claims under this health insurance plan, the illness or condition must fall under the critical illness definition in the policy wording.

For more details please refer the policy wordings or contact Coverfox.com.

All the diseases listed above would be covered after a survival period of 30 days post diagnosis of the illness.

Good to have

HEALTH CHECK-UP-

This plan reimburses 50% of the amount spend on pre-policy health check-up.

Value adds

AMBULANCE CHARGES –

The Advanced variant of this plan offers coverage for ambulance expenses up to INR 1000 per policy year.

Exclusions –

Waiting Period –

  1. To claim this benefit a waiting period of 90 days post commencement of policy is applicable for both the variants. However, this period is waivered off after timely renewal.

Note: In case you are porting from policy A to this policy the terms and conditions under this section would differ. Please refer the policy wording or contact Coverfox for more details.

Permanent Exclusions –

  1. Any pre-existing condition.
  2. Occupational diseases.
  3. Radioactive contamination.
  4. Maternity expense cover.

Note: For detail list of exclusions, please refer the policy wording.

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Aniket Thakker
Written by Aniket Thakker
He lives off TV shows, movies, junk food, comics and sarcasm. When he is not working as a freelance imaginary friend to other beings like him, he works as VP of Marketing at Coverfox.

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