Chola MS Family Health Plan-cholamandalam-health-insurance-plan

This is a health insurance plan that is suited for young families. It covers hospitalization expenses as well as other medical expenses such as ayurvedic treatments, maternity, dental and eye care. The plan covers the insured person plus his or her spouse and children with a floater sum insured that allows any family member to make a claim up to the full sum assured. The insured person has the option to choose his or her plan category under this policy, as there are three sub-categories offered, which are Standard, Superior and Advanced. These sub-categories have been divided according to the Sum Insured amount and therefore certain benefits differ as well. The features of the plan are as follows: Benefits received under this plan is for a floater Sum Insured value up to Rs. 15 lakhs Access to cashless hospitalization facility across empanelled hospitals all over the country Pre and post hospitalization expenses covered for 60 and 90 days respectively 141 Daycare procedures are covered that do not require 24 hours hospitalization There is lifetime renewal on the policy After two continuous claim-free years there is a free health check up There is a cumulative bonus of 5% for every claim-free year, that is subject to a maximum of 50% of the Sum Insured There is a cash allowance provided for the accompaniment of a minor Emergency ambulance charges are covered up to Rs. 1000 to Rs. 3000, depending on the type of plan chosen A percentage of room rent and ICU room rent charges are covered Treatment of an illness or injury without hospitalization is covered Pre and Post natal expenses are covered Dental treatments are covered under the Advanced plans Treatments under Ayurveda are covered under the Advanced plans On the advice of a medical practitioner and with a valid prescription, costs of Spectacles, contact lenses, hearing aids, prosthetic appliances, etc., are covered under the Advanced plans Domiciliary expenses are covered under the Superior and Advanced plans There is a daily cash allowance if a shared accommodation is chosen Maternity expenses are covered under the Superior and Advanced plans Eligibility Coverage is provided from the age of 18 years to 65 years. Up to two children can be covered from three months onwards to 25 years if one parent is covered under this plan. This plan has coverage of up to for the self, spouse and dependent children A pre-policy health check up is required only after the age of 55 years.