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Cholamandalam Enrich Healthline Policy

Cholamandalam MS General Insurance Company Limited is a joint venture between Murugappa Group and Mitsui Simutomo Insurance Company Ltd. The portfolio of insurance products include engineering, health, travel, motor, etc. for both health and corporates.

The Enrich Healthline plan is a total wellness cover that is designed for you and your family dependents. It covers you and your family's needs that come along with rising age in case of hospitalization.

Highlights of the Plan

  • Get a discount of 6% on 2-year policy and 12% on 3-year policy
  • The plan is available for 1, 2, 3 years
  • You can avail double coverage once your sum insured gets exhausted in the case of 14 critical illnesses or any accident
  • AYUSH treatment is also covered in addition to Allopathy
  • No co-payment needed for non-network hospitals
  • Child hospitalization allowance is provided per hospitalization at Rs. 500 per day for 7 days
  • You can also receive Rs. 10,000 as extended hospitalization allowance if you are hospitalized for minimum 10 days hospitalization

Scope of cover

Indivdual Plan

Entry Age

Adults :

Minimum : 18 years

Maximum : 65 years

Number of Members Covered

Maximum Members : 12

Maximum Adults : 8

Maximum Children : 4

Sum Insured

3/5/7.5/10 lakhs


discount

6% discount on premium for 2-year policy

12% discount on premium for 3-year policy

Policy Periods Available

1/2/3 years


Pre-Policy Medical Check-up

Not required up to age of 45 years

100% of the pre-policy health check-up cost will be reimbursed on issuance of policy

Scope of cover

Family Floater Plan

Entry Age

For children : below 3 month – 26 years

Adults : 5 Years

Minimum : 18 years

Maximum : 65 years

Number of Members Covered

Maximum Members : 6

Maximum Adults : 2

Maximum Children : 4

Sum Insured

3/5/7.5/10 lakhs


discount

6% discount on premium for 2-year policy

12% discount on premium for 3-year policy

Policy Periods Available

Annual, Quarterly, monthly


Pre-Policy Medical Check-up

Not required up to age of 45 years

100% of the pre-policy health check-up cost will be reimbursed on issuance of policy

Important Features

Day Care Treatments

Due to scientific advancement, some surgical procedures/treatments do not require you to be hospitalized for a minimum of 24 hours to raise a claim.

    No-Claim Benefits

    In this policy, if you don’t make any claim, then for every claim-free year, you earn a cumulative bonus of 5% on sum insured up to a maximum of 50%. In case of a clam, there is a 50% reduction in sum insured.

      Organ Donor Cover

      For expenses related to organ donation

        Pre Hospitalization

        The insurance company will compensate you for the medical expenses related to your hospitalization 60 days before the hospitalization.

          Post Hospitalization

          The insurance company will pay you for the medical expenses related to your hospitalization 90 days post hospitalization.

            Good to Have Benefits

            Health Check-up

            Expenses for health check-ups will be covered in 2 consecutive claim free years

              Home Hospitalization/ Domiciliary Hospitalization

              You can avail treatment at home up to base sum assured if hospitalized for maximum 7 days continuously.

                Non- Allopathic Treatment Expense Cover

                Pays for expenses for in-patient treatment that is taken under Homeopathy, Ayurveda, Unani and Sidha.

                  Emergency Ambulance

                  This plan provides domestic road ambulance cover up to Rs. 2,000

                    CHILD HOSPITALIZATION COVER

                    If an adult accompanies a child aged 18 years or less, the company will compensate Rs. 500 per day for 7 days.

                      EXTENDED HOSPITALIZATION ALLOWANCE

                      If you are hospitalized for 10 continuous days on individual sum insured basis, the company will pay you Rs. 10,000

                        Value Adds

                        Critical Illness Cover

                        You can get double sum insured amount in case of critical illness or accidents

                          FREE LOOK PERIOD

                          For any reason, should you decide not to proceed with the policy, you can return the same and request for a refund within 15 days from the date of receipt of the policy document.

                            Terms & Conditions

                            Room Rent / Room Category

                            Covers expenses incurred for hospitalization up to Single occupancy AC room.

                              Waiting Period

                              Cooling Off Period

                              A 30 days cooling off period for all claims except any arising out of accidental injuries.

                                Specific Illnesses

                                The policy covers some specific diseases/treatments only after 24 months. These include Cataract, Arthritis, Hernia, Kidney Stone, and so forth.

                                  Pre-Existing Illnesses

                                  You can claim for any pre-existing conditions after 36 months from the policy start date.

                                    Permanent Exclusions

                                    The Plan will not cover any liabilities towards the treatments of following conditions-

                                    • Intentional self-injury
                                    • Mental illness
                                    • Cosmetic, aesthetic treatment
                                    • Dental surgery
                                    • AIDS
                                    • Pregnancy, childbirth, miscarriage, and abortion
                                    • Congenital disease
                                    • Infertility and in vitro fertilization.
                                    • Hospitalization out of war, riot, strike and nuclear weapons

                                    Review of Cholamandalam Enrich Healthline Policy

                                    The Enrich Healthline policy from Cholamandalam is takes care of rising healthcare costs. It provides additional benefits such as child hospitalization allowance and extended hospitalization allowance. You can also enjoy the AYUSH benefit if you plan on taking any other treatment apart from allopathic treatment.

                                    **Reviews and ratings are based only on Benefits and Conditions. Things like Claim Settlement Ratio, Hospital Network have not been covered under product ratings. These are covered under Company ratings.

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