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Introduction

Chola MS Critical Healthline policy is a benefit plan which offers coverage up to sum insured up on diagnosis of any critical illness. The coverage offered under this plan is irrespective of the hospitalization or recovery expenses. Thus, this benefit plan would help the insured 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 benefits offered under this plan.

Main Highlight of the plan

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

  • It gives an individual option to choose from two variants namely Standard or Advanced.
  • The Advanced variant of this plan covers emergency ambulance expense post diagnosis of critical illness.
  • Critical illness cover under Advanced variant includes coverage for Parkinson's disease and motor neuron disease showing permanent symptoms.

Scope of cover

  • 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.
  • 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 Healthline policy offers coverage for 10 - 12 critical illnesses.

Coverage: Benefits & Features

Most Important

LIST OF CRITICAL ILLNESSES COVERED UNDER STANDARD PLAN*

LIST OF CRITICAL ILLNESSES COVERED UNDER ADVANCED PLAN* -

*Note

For any claims under this 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

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