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Introduction

The Top-up Healthline plan offered by Cholamandalam MS offers coverage for in-patient hospitalization expenses. This plan comes into picture after the expenses for the treatment exceed the deductible value. The coverage offered by this plan for expenses on treatment is equal to the limits specified.

You can buy this plan along with your regular individual, floater or corporate health insurance plan on an individual or family floater basis. The benefit of having this top-up plan is that you can have higher coverage at a lower premium value and cover diseases which are not covered under your regular health insurance policy.

Main Highlight of the plan

The Top-up Healthline plan offered by Cholamandalam MS offers coverage in-patient hospitalization expense of an organ donor for harvesting organ for an insured up to sum insured.

Scope of cover

Plan

Entry Age

Maximum Number of Members

Discount on premium

Individual plan

Children- 3 months to 26 years (up to 35 years for unmarried girls)

Adult age- 18 years to 65 years

5

10% for more than two members

Family floater plan

Children- 3 months to 26 years (up to 35 years for unmarried girls)

Adult age- 18 years to 65 years

Total Members- 5

Adults- 2

Children- 3

All the members are covered under single premium

Sum Insured and deductible values:


PLAN

A

B

C

D

E

F

G

Deductible in INR

30,000

1,00,000

2,00,000

3,00,000

4,00,000

5,00,000

5,00,000

Sum insured in INR

20,000

2,00,000

3,00,000

5,00,000

6,00,000

10,00,000

15,00,000

*Note: This plan has pre-policy health check-up for individuals above age 55 years. However, individuals below age 55 years who have a medical history may have to undergo pre-policy medical check-up. The cost of expenses on this pre-policy check-up would be reimbursed up to 50% post issuance of policy.

Policy period options – 1 year, 2 years or 3 years

Coverage: Benefits & Features

Most Important

Some of the most important points to consider while buying a Top-up Healthline policy are:

Good to have

The good to have features under Top-up Healthline plan by Cholamandalam are:

Value Adds

The benefits that add value to the Top-up Healthline plan of Cholamandalam MS are:

Exclusions

A cooling off period of 30 days is applicable on buying a policy for the first year. No claims (other than claims related to an accident) can be made in this cooling off period. There is no cooling off period applicable on renewal of this policy.
Waiting period of 1 years is applicable for specified ailments while that of 2 years is applicable for some others. Example conditions like Cataract, breast lump, etc. would get covered after a waiting period of 1 year while conditions like knee Replacement surgery, arthritis, etc. would get covered after a waiting period of 2 years. Refer the policy wordings for the complete list of ailments listed under each category.
Note: The waiting period may vary in case the conditions listed above are pre-existing. Also, these waiting periods are not applicable for any claim related to accident.
Pre-existing diseases are covered after continuous renewal of the policy for 4 years.

PERMANENT EXCLUSIONS

Cosmetic surgery, Lasik eye treatments, drugs or Circumcision, genetic disorders, self-inflicted injuries, war related injuries, etc. are some of the exclusions. For the detailed list of please refer the policy document.

This plan does cover some benefits covered by a general health insurance plan or Mediclaim policy. Example

It does not cover domiciliary expenses, expenses on non-allopathic treatments, etc.