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The consistently growing healthcare sector calls for a health insurance plan which covers you and your family against allfinancial risks arising out of adverse medical conditions.Chola Healthline is a comprehensive health insurance scheme covering individuals and families on an individual and floater amount insured basis. On a Floater Sum Insured basis, you will protect yourself, your Spouse, and upto 4 dependent children .Chola Healthline offers four smart health insurance options to protect you from dangers, each with different amount Insured options. Chola MS is with you at every step with a variety of plans and covers. Here's why Chola Healthline insurance should be your choice. Chola Heathline offers a wide variety of features and incentives to meet its customers' medical needs. The Chola Healthline plan is a cost-effective health insurance plan that considers the life stages and covers you. T3, which stands for Trust, Transparency, and Technology, is Chola MS's brand philosophy. It has also been repeatedly recognized and awarded for its insurance coverage and distribution technologies by the Government of India, foreign bodies, and rating agencies. Chola Healthline plan offers a wide range of benefits to help ease the recovery process and reduce the financial burden. The Value Healthline plan is for newlyweds who are ambitious and busy. This cost-effective insurance plan considers the life stages and covers you and your loved ones in the event of an emergency. The highlights of the scheme are: ● Covers up to Rs. 10 lakhs in expenses. ● Treatment costs for Ayurveda, Unani, Siddha, and Homoeopathy, are covered. Additional Highlights includes: ● 6% discount on a 2-year policy and a 12% discount on a 3-year policy. ● Option of increasing your amount insured at the time of renewal. ● Includes dependent parents in law. The Freedom Healthline plan is a comprehensive family health plan. It provides for the needs of you and your family in the event of hospitalization. The highlights of the scheme are: ● Covers up to Rs. 15 lakhs in expenses. ● Covers emergency ambulance expenses (up to Rs.2000). Additional Highlights includes: ● 6% discount on a 2-year policy and a 12% discount on a 3-year policy. ● In addition to allopathy, AYUSH care is also covered. ● Non-network hospitals do not need a co-payment. ● no restrictions on the amount of money that can be spent on renting a bed. ● At the time of renewal, you have the option of increasing your amount insured. ● Includes dependent parents in law. The Enrich Healthline plan is a comprehensive wellness package for you and your dependents. It provides for the changing needs of you and your family as you get older, such as hospitalization. The highlights of the scheme are: ● Covers up to Rs. 25 lakhs in expenses. ● Costs of the organ donor's hospitalization are covered. ● Expenses for inpatient hospitalization and daycare treatment are also covered. Additional Highlights includes: ● 6% discount on a 2-year policy and a 12% discount on a 3-year policy. ● The plan can be purchased for one, two, or three years. ● In the event of being diagnosed with any 14 serious illnesses or any accident, you will get double compensation until the amount insured is depleted. ● In addition to allopathy, AYUSH care is also covered. ● Non-network hospitals do not need a co-payment. ● A child hospitalization allowance of Rs. 500 per day for 7 days is given per hospitalization. ● If you are hospitalized for at least 10 days, you will be eligible for an extended hospitalization credit of Rs. 10,000 The highlights of the Privilege Health Insurance are: ● Covers up to Rs. 25 lakhs in expenses. ● The package provides ambulance coverage (up to Rs.5000). ● Under the programme, maternity expenses (up to Rs. 1 lakh per delivery) are covered. Additional Highlights includes: ● Expenses associated with pregnancy ● Expenses for a newborn baby's hospitalization. Before deciding on a scheme, make sure you've looked at all of your choices. Since health insurance is such a significant investment, it's a good idea to compare several quotes and policies to see which one better suits your financial needs and medical requirements. Product features Value plan Freedom plan Enrich plan Privilege plan Maternity expenses (after 3 consecutive renewals and up to deliveries) (in INR) No No No Up to 1 Lakh Newborn baby hospitalization No No No Covered upto mothers' sum insured Domiciliary Hospitalization expenses per policy year per policyholder Up to 7 days Up to 7 days Up to 7 days Up to 7 days Ayush Coverage Yes Yes Yes Yes Expenses for pre-hospitalization 30 days 60 days 60 days 60 days Expenses for post-hospitalization 60 days 90 days 90 days 90 days Organ donor hospitalization Yes Yes Yes Yes Daycare procedures or treatment expenses Yes Yes Yes Yes Child hospitalization allowance No No 500 on each hospitalized day for a week No Dental/specs/hearing aids/contact lens No No No 10,000 for every 2 Policy Years Emergency Ambulance (in INR) 1000 2000 2000 5000 Extended hospitalization allowances (in INR for a minimum of 10 days) No No 10,000 10,000 Double sum insured No No Provided for critical illness and accidents Provided for critical illness and accidents Expenses for room rent, doctor's fees, anesthetist's fees, surgeon's fees, and ICU fees that are incurred during a hospital stay of 24 hours or more are included under this heading. Hospitalization costs are paid up to the amount insured. If the costs are incurred prior to admission to the hospital, they are covered. Expenses such as doctor's visits, appointment fees, medications, medical tests, and so on can be covered. This policy covers expenses incurred after you are released from the hospital. The cost of the room, blood, oxygen, and medications, among other things, are protected. These costs are compensated for expenditures such as health monitoring and medical testing to assess your recovery. This policy would cover ambulance costs incurred to transport the covered person to the nearest hospital with appropriate facilities following an emergency. Although hospitalization insurance covers expenses incurred when you are admitted to the hospital for 24 hours or more, certain procedures do not necessitate a stay of that duration. Chola health insurance schemes cover specific or all forms of expenses. CholaHealthline policies cover the costs of removing an organ from a donor so that the organ can be used in your organ transplant surgery. This coverage is valid before the selected amount insured is reached. Domiciliary procedures are treatments that you are required to take at home. If there are no available hospital beds or cannot be moved to a hospital, those services are covered by CholaHealthline. CholaHealthline health insurance policies also provide free health screenings at predetermined policy intervals. These health check-ups, which are permitted up to a certain amount, assist you in keeping track of your health and maintaining a safe lifestyle. This policy will compensate for treatments provided under the Ayurveda, Unani, Siddha, and Homeopathy systems that require more than 24 hours of hospitalization for illness or accidental bodily injury, up to the sum specified in the policy schedule. The CholaHealthline policy does not cover claims filed during the waiting period. For all diseases except accidents and renewals, a 30-day waiting period is applicable. Certain illnesses and treatments have a two years of waiting period. This waiting period is unavoidable in every health insurance plan, so to avoid unethical practices by the buyer. We do not provide cover for any type of pre-existing medical condition you may have. Additionally, our CholaHealthline policy does not cover any critical illness resulting from or by-product of pre-existing diseases. The policy does not cover any injury, harm, or disease caused by self-inflexion, including lasting symptoms of suicide, deliberate self-injury, or extreme sports. Chola MS will deny any argument made for these. Intentional harm includes the use of narcotics, alcohol, smoking, or some other intoxicating substance. We may not provide compensation for injuries caused by or as a result of drug misuse. The versatile health insurance cost does not cover any injuries sustained during a war, an act of aggression, a hostile act by foreign enemies, or martial law. It is not covered by medical insurance since it comes into the category of acts outside the jurisdiction of the hospital administration. This includes the cost of materials such as gloves, plastic bags, needles and anything else that fall under the category of consumables. The policy does not cover these expenses. Chola Healthline is a plan that takes a holistic approach to offer medical care for individual and family hospitalization expenses. This proposal covers the policyholder as well as his or her spouse and minor children. Policyholders may include their parents, in-laws, siblings, and other family members when choosing a strategy individually. This package is available to people between the ages of 18 and 65. Under various terms, the health insurance policy is available with sum insured options ranging from Rs. 1 lakh to Rs. 25 lakh. Value Healthline, Freedom Healthline, Enrich Healthline, and Privilege Healthline are the four separate plans available. Technical advancements in healthcare include surgical procedures performed under local or general anesthesia that require less than 24 hours of hospitalization. If done in a network hospital, we will pay for Medical Expenses incurred in a Day Care Procedure/ Treatment that needs less than 24 hours of hospitalization, up to the Amount Insured specified in the policy schedule. If the operation is to be done in a non-network hospital, we must first approve it. In the case of scheduled admission, pre-authorization must be obtained 72 hours ahead of time, and in the case of emergency admission, it must be obtained within 24 hours. If you do not claim under this scheme, you will receive a cumulative bonus of a certain percentage on the amount insured for each claim-free year. The percentages differ by the type of the plan. We will cover medical costs incurred during the harvesting of an organ donated by a legal Organ Donor. We will not cover the costs of the donor's pre-and post-hospitalization expenses, as well as any other medical care required as a result of the harvesting. These days, having health insurance for Ayurvedic therapy is a must. Health insurance firms are now offering health insurance with an Ayurvedic treatment benefit to meet the various Ayurveda insurance demands of individuals. Includes coverage for costs associated with non-allopathic treatments such as Ayurveda, Homeopathy, and others. This plan covers Emergency ambulance expenses according to the different plans available. If you are unable to go to the hospital or are receiving treatment at home due to unavailability of beds, your policy will cover expenses for treatments received at home. We are required to obtain pre-authorization before undergoing such a medical examination. The medical examination takes place at a hospital or diagnostic center that we recommend. In the case of a family floater policy, a health checkup is available to all members of the family floater policy. If any of the members have filed a petition under this provision, the health check-up value would not be available to them. If an adult accompanies a child under the age of 18, the organization will pay Rs. 500 per day for a period of seven days under Enrich Insurance plan. This is part of enrich health plan. On the individual sum insured basis, if you are hospitalized for 10 days in a row, Chola MS will pay you Rs. 10,000 under Enrich HealthlineCover.This is part of enrich health plan. The maternity benefit includes any prenatal and postnatal treatment that a pregnant woman will ever need. Both normal and caesarean births are covered in terms of childbirth. There is a cap on the amount of coverage available, and maternity costs are only covered after a certain amount of time has passed. This is part of privilege health plan. Ayurveda, Unani, Siddha, and Homeopathy, are all types of medicine used in AYUSH treatments. For this treatment the coverage is up to sum insured. The newborn baby is wrapped from birth to 90 days under this shell. If the baby has any medical problems, the costs of the necessary care will be covered under this. If you or a covered member is hospitalized for more than 24 hours, this plan provides a fixed cash payout. The benefit is charged per day of hospitalization and is only available for a certain number of days within the policy duration Sum insured restoration is applicable for Enrich and Privilege plans only for CI and accidents.If the coverage is used up in earlier claims within the policy year, the balance insured is refilled to its original amount under this benefit. As a result, the benefit provides double sum insured compensation and is useful in the event of multiple claims during a policy year. The premium you pay for your benefits is the amount of money you pay your insurance provider regularly to keep your policy active and use your medical coverage. Like any other health insurance programme, the premium cost is determined by many main factors such as age, sum covered, plan name, medical background, chosen policy form, and coverage specifics. To measure the premium instantly using any online calculator, all of this information must be filled in. Several variables determine your premium. The following are some of them: Firstly, once you or your family member are admitted, you will have to inform the hospital administration that the patient is a policyholder with Chola MS General Insurance. After this, you will have to produce your Chola MS insurance document along with the valid ID proof for verification and as proof of the policy. Post verification of the policy details, the pre-authorization form will need to be submitted to Chola MS. Chola MS will review the documents / information provided by the hospital and start processing the cashless approval keeping in mind the terms and conditions of the medical policy. In some cases, Chola MS may hire a field doctor to conduct the authorization process at the hospital. If eligible and approved for direct claim settlement, Chola MS will settle the claim with the hospital directly. The patient will provide their insurance documents to the hospital, if it is a network hospital, they will contact Chola MS and ask for approval. If a direct claim is not approved, you will have to pay the hospital bill at the time. After paying the bill, you will have to fill out a claim form available in Chola MS website or contact our toll free number 1800 208 5544 and submit all the relevant documents to Chola MS to claim a reimbursement within 30 days from the date of discharge. You can share them through customercare@cholams.murugappa.com If your documents are in order, Chola MS will pay you the reimbursement amount. In case of change in name, address or any other details in the policy, you can contact Chola MS for endorsement request. The request will be raised and the same changes will be updated in the policy. Q1. I would like to add my family to this policy. Is it possible for me to have them covered? Yes, you will get coverage for your whole family for a single amount insured. On an individual amount insured basis, participants may include the proposer, partner, dependent children, dependent parents, parents-in-law, and siblings. Self, spouse, and dependent children are protected under a family floater. Q2. Is there a critical illness opinion choice in this policy? Yes, under its Privilege Healthline Plan, the Healthline offers an opinion for serious illness up to the value of Rs. 25,000. Q3. Is this package going to cover pre-hospitalisation and post-hospitalisation expenses? Yes, the plan covers pre-hospitalisation costs; it varies according to the plans one has opted for. Q4. Is there any coverage for health checkups included in the plan? The package covers a wellness checkup once every three years of claim-free service. Q5. Is organ donation during a transplantation surgery covered by the plan? Yes, the proposal covers the costs of organ donation and organ procurement during transplantation. Q6. What will happen if the individual is suffering from a disease at the point of purchase of the Individual Healthline Insurance Policy? If you are suffering from any disease before you purchase your individual Healthline insurance plan, any medical expenses that you incur on the treatment for that disease will not be covered. Such diseases are called pre-existing diseases. However, you can be covered for that disease, given that you renew your policy continuously for 4 years. Q7. What are the terms for Maternity and Pregnancy expenses under Individual Healthline insurance policies? Yes. Individual Healthline insurance Policy's Superior and Advanced Plans cover maternity and pregnancy-related expenses such as drugs, injections, regular checkups, etc. Q8. Is a medical examination required before purchasing the individual Healthline insurance plan? Individual Healthline Insurance policy does not require a medical examination until and unless you are above the age of 55. Although, when you're over and above the age of 55, you will need to get a medical checkup when you buy your first insurance. Medical examinations are normally not required for policy renewal. Q1. Is it necessary for me to be hospitalised to file a claim? Yes, since the benefit would not cover out-of-pocket costs, policyholders must be admitted to the hospital to file a claim. Spectacles, hearing aids, glasses, and other outpatient costs are not covered. A health insurance plan kicks in when the insured is admitted to the hospital or when the insured is faced with a medical emergency that costs money. A health insurance claim is considered to arise at that time if the hospitalisation or medical expenditures are reimbursed by the health insurance plan. Q2. What is the hospitalization period for filing a claim? If a policyholder is hospitalised for at least 24 hours, he or she is liable for a claim, either cashless or reimbursement. Hospitalisation can be as short as 24 hours for daycare treatments. Q3. In how much time do I need to contact network hospitals of the Chola MS about the hospitalisation? If you want to use the Chola MS network hospital's cashless service, you must notify them 72 hours ahead of time if it's a scheduled admission and 48 hours if it's an emergency hospitalisation. Q4. What are the essential documents I'll need to show in order to resolve the claims? The following documents are required for the settlement of your claim: ● Completed claim form Medicine prescriptions and payments ● A doctor's certificate ● Bills Diagnosis ● Test results, such as CBC, ECG, and x-ray ● Details and reports on the discharge ● The hospital's last receipts Q5. After the first year of purchasing the individual Healthline insurance policy, can I claim the expenses for my father's cataract surgery? In the first year of purchasing the policy, you will not be able to claim the expenditures incurred on cataract surgery. However, cataract surgery can be claimed after the insurance is renewed for the first time. Q6. What are the terms for claiming medical expenses before and after being hospitalised? Medical expenses that have occurred sixty days before and ninety days after being hospitalised are covered under the Individual Healthline Insurance Policy, as long as they are related to the illness or accident for which you were admitted. The expenses which occurred before the hospitalisation period are known as pre-hospitalisation expenses. On the other hand, the expenses occurring after the hospitalisation period are known as post-hospitalisation expenses. Q7. What is the coverage period of the Individual Healthline Insurance plan? The individual Healthline insurance plan is only available for a period of exactly one year. But you can get your plan renewed. Renewing your policy will also provide you with additional benefits like the inclusion of pre-existing diseases treatment after 4 years of consecutive renewals and an increase in the Sum insured by 5% after every claim-less year. Q8. What measures does Chola MS take to determine if the policy holder's illness was pre-existing or not? When filling out an insurance proposal form, you must include all of the ailments you have had over the course of your life. You should know whether you have an illness and whether you are being treated when applying for insurance. We seek the medical panel for such health issues to distinguish between pre-existing and newly contracted ailments. Note: Before purchasing the individual Healthline Insurance Policy, it is necessary to report any diseases you may have. Insurance is an agreement founded on good faith, and any willful failure to disclose facts could result in future complications. Q1. Can the Healthline plan provide me with any tax advantages? Yes, policyholders are eligible for a tax exemption under Section 80D of the Income Tax Act. Every taxpayer can get the benefit of ₹ 15,000 of annual deduction from their taxable income each year for the expenses on health insurance premiums for themselves and their dependents. On the other hand, senior citizens can claim an annual deduction of ₹ 20,000 from their taxable income. Although, please keep in mind that you will be required to present proof of premium payment when you are filing income tax returns. But be advised that the ₹ 10,00,000 exemption that comes under Section 80C, which is not the same as the Section 80D benefit. Q2. How Can Cholamandalam Health Insurance Plans Be Purchased? Chola MS's official website offers an impressive and easy way to buy a health insurance policy. Let's take a look at how it works. Go to Chola MS General Insurance's website and click on the 'Health' icon on the left side of the page. The 'Buy' choice will appear. To complete the purchase, tap 'Get Quote.' and Select the plan you want to purchase, and press the "Buy Now" button. Enter the required information and select the 'Proceed' option. The organisation will contact you to continue processing your submission. Chola MS health insurance is also available for purchase offline. Simply go to the Chola MS branch office closest to you. Q3. Is there a discount offered by Chola MS General Insurance Company to its customers? Yes, Chola MS offers policyholders discounts on specific policies. Q4. How much discount will I get when I renew my policy if I have had no claims for the year? While you will not receive a discount on the premiums, you will, however, get an increase of 5% each year on your Sum Insured. The Sum Insured grows by 5% for each year that you do not claim. You can have up to 10 such claim-free years with a cumulative increase of 50% on the Sum insured. In the case of a claim, the cumulative bonus will be reduced by 5% of the Sum Insured at the time of renewal if you have earned any cumulative bonuses before. On the other hand, the basic Sum Insured will always be maintained. Q5. Under Individual Healthline Insurance Policy, are there any exclusions? Yes, there are some major exclusions that won't be covered under the individual Healthline insurance policy. They are: Some diseases have temporary exclusions that are not covered until the end of the first or second year of the policy but are covered in the following years. Permanent diseases such as AIDS and cosmetic surgeries are not covered by the policy. Insurance claims resulting from diseases that existed prior to the purchase of insurance policy are not covered. Although, after four years of purchasing the policy, these "pre-existing" diseases can be covered under the Healthline insurance policy. While these are the major exclusions under the policy, please refer to the Policy Wordings for the complete list of exclusions. Q6. Are Ayurvedic treatments and their expenses covered under the Individual Healthline insurance policy? Yes, you can even get certain ayurvedic treatments and their related expenses covered in addition to allopathic medical expenses under the Individual Healthline insurance policy. Q7. When getting the medical examination during the purchasing process, who incurs the charges? The party getting insured must pay for the doctor's diagnostic fees and the Pre-Policy Health check, also known as PPC, along with other necessary investigations. The appointment will be scheduled with our approved doctor. Half of the expenses incurred up to ₹ 500 per covered person will be repaid upon acceptance of your application. The policyholder will be reimbursed once the proposal has been approved and the insurance has been issued. Q1. Do I need insurance when I am young? Yes, indeed. You'll get insurance. Starting at a young age can be highly beneficial for you. It means that you will have to pay lower premiums rates annually for higher protection. Even if you're young, safe, and haven't had to see a doctor in years, you'll need insurance to protect yourself from unpredictable incidents, including injuries or sickness. Q2. Why should I purchase Health Insurance if I already have Life Insurance? Your relatives (or dependents) are protected from financial ruin in the event of your untimely death/ or if anything happens to you. Only after the insured person's death or the policy's maturity is the payout produced. Health insurance covers you from illness or disease by covering the costs of care, diagnosis, and any related costs if you become sick or injured. In the event of your death, life insurance provides financial support to your dependents. If you or a member of your family suffers from a medical emergency, health insurance will help you recover financially. Q3. Health insurance is provided by my employer. Is it a good idea for me to have my policy? Health insurance is meant to protect you against both getting sick and incurring a large expense. However, this is not the case with all plans and providers since they differ greatly. As a result, a job's health insurance coverage may add a lot to its attraction. It is highly recommended that you get your health insurance for reasons of stability. To begin with, if you change jobs, your new employer can or may not have health insurance. In any case, you will be subjected to healthcare expenses during your work search. Second, the health insurance track record you established with your previous employer will not move to the new company policy. Pre-existing illness coverage would be a challenge with most group insurance plans. Q4. What is the benefits policy under CholaHealthline? The insurance agent pays the policyholder a lump sum fee under a Benefit Policy. It is up to the client to decide whether or not to use the money earned on medical care. Following the first waiting and surviving period, you will be given a lump sum payment if you are diagnosed with a covered sickness of a certain severity. Q5. What happens when I buy more than one insurance policy? You are allowed to have multiple health insurance policies with different insurance agencies. And if you choose to do so, e Each insurer will be paying a ratable part of the claim in the event of a claim. For instance, a consumer may have Health Insurance from Company A for ₹ 3 lakh of coverage and Health Insurance from Company B for ₹ 4 lakhs of coverage. In the event of any claim for ₹ 5 lakhs, companies A and B shall pay in a ratio of 3:4 up to the Sum Insured. Q6. Are my dentist fees and medical expenses covered under the Individual Healthline Insurance plan? Yes, you are covered. If you have purchased the advanced plan of individual Healthline insurance policy, you can avail the claims for all your dentist fees and dental, medical expenses. Although, you cannot receive claims for cosmetic dental procedures. Q7. How many times can I claim medical bills under this plan? There is no limit to the number of claims that you can file during the policy period. But you cannot file any more claims after the Sum insured under your policy is completely used. Q8. How is the Insured Sum treated after any claim is filed? The policy coverage is decreased by the amount paid out on settlement once a claim is made and settled. Consider the following scenario: In January, you purchase an individual Healthline policy with a yearly coverage of ten lakhs. And then you file a claim for ₹ 4 lakhs in April. The remaining ₹ 6 lakhs of coverage will be available to you from May to December. Q1. What are some terminologies used commonly in Healthline insurance? You must learn certain simple terminologies to understand your Healthline insurance properly. They not only assist you in understanding how your strategy operates, but they also assist you in identifying any inconsistencies or loopholes in your current plan- ● Acute care Acute care is a concept that is commonly used in India's health insurance industry. It refers to when you are admitted to the hospital and receives treatment for a specific illness. In most cases, chronic illnesses do not necessitate hospitalisation. As a result, whether you're seeking medication after being admitted, it's because of an immediate exacerbation of your chronic illness, and it's known as acute care. ● Add-ons You can add some extra advantages to your current policy. They are not included in the original regular or basic package and must be purchased separately to use. While add-ons increase your total premium, they are significantly less costly than buying a separate policy for that feature. Add-ons include emergency room tariff waivers, hospital cash benefits, and pregnancy coverage, among others. ● Age limit This applies to the minimum and maximum ages at which a policy may be purchased. A minimum of 18 years and a maximum of 65 years is normally the most common age limit. Depending on the policy you want, this can be extended to 70 years. When you realise that your healthcare expenditures are likely to grow in the future as a result of the overall rise in the cost of living, among other variables, it's time to acquire healthcare coverage. It is in your best interests to recognise the truth as soon as possible. To put it another way, you should get health insurance coverage when you're young to take advantage of a variety of perks. ● Ambulance cover If you have a more serious condition or an emergency, you may need the assistance of an ambulance to get you to the hospital on time and to provide some basic care. This is particularly true in the case of heart disorders such as stroke and myocardial infarction. Ambulance services are only covered by health insurance, such as Medicare or medical insurance, when patients are transferred to hospitals for further care or if the ambulance service is contacted for a major medical emergency, such as a life-threatening condition. If the ambulance is needed for simple medical assistance, the price will not be covered by health insurance. Most insurance policies cover this expense, but some only cover it as part of their supreme plans. As a result, before filing an ambulance charge, you should carefully review your inclusions. ● Cashless claims and hospitalisation If you do not have health insurance, you would be forced to pay your bills in cash at the hospital. This not only reduces your savings but also adds to the financial pressures and burdens you're already dealing with. Cashless claims refer to whether the insurance company negotiates with the hospital administration to get the payments cleared and covered by the policy. There is no presence of a third party because the insurance provider pays the dues directly. This helps you to concentrate entirely on your recovery rather than thinking about mounting debt. ● Claim A claim refers to the compensation or reimbursement you receive if you have purchased an insurance policy. Depending on the policy you have chosen, the value of the bill is paid off by the number covered. For non-emergency care, many insurers demand pre-certification, which is separate from the claims filing (pre-certification happens before the medical procedure is performed). In any event, a claim may be denied based on the carrier's evaluation of the situation, and patients and medical providers can use the appeals procedure if this happens. ● Claim settlement Claim settlement refers to the process of filing, consent, and effective reimbursement from a claim. The surveyor carefully checks and rechecks your claim after you file it. The insurance agent determines liability, and the claim is accepted and processed only after that. The claim is deemed settled if you have obtained the funds from the claim. ● Comorbidities or pre-existing diseases This concept is often used in both the medical and medical insurance fields. It refers to the existence of pre-existing conditions like COPD, hypertension, diabetes, kidney disease or disorders, cardiovascular disease, bleeding disorders, etc. The existence of these diseases and disorders significantly changes the care plan, and the treatment chosen by the doctor may become more complicated as a result. The more pre-existing conditions you have, the higher your premium would be. A medical exam is required for your premium. The more premium you are paid, the worse your test results are. The prevalence of comorbidities lowers your fitness and wellbeing while also increasing your insurance costs. ● Critical illness A critical illness is any illness that puts one's life in jeopardy and can result in permanent disability or death if not treated promptly. This covers things like strokes, heart arrest, and seizures, among other things. This category also includes any acute exacerbation of a chronic illness. These policies pay out cash to assist cover overruns when standard health insurance may fall short since these crises or diseases frequently incur higher than normal medical expenditures. Health insurance for critical illnesses may help cover the costs of care. You may be compensated by your Chola MS depending on the disease and whether it is specified in the policy or not. ● Daycare procedures A daycare procedure is any surgical or medical procedure that does not take more than 24 hours of hospitalisation and can be performed with or without admission. Cataract surgery, hemodialysis for kidney diseases and conditions, sinus operations, ear tympanoplasty, and other procedures fall into this category. Most health insurance plans cover these expenses. The essential thing to remember about daycare procedures is that not all short-term therapies qualify as daycare operations. As a result, OPD consultations should not be mistaken with the former. Due to advancements in medical technology and procedures, daycare treatment refers to treatments, surgeries, and operations that need hospitalisation for less than 24 hours. ● Domiciliary hospitalisation Both hospital protocols and recovery plans are followed in this form of hospitalisation but the comfort of the patient's own home. Medical care is provided outside of the hospital but without compromising or altering the treatment plan. Pregnant mothers, those undergoing hemodialysis for kidney disorders, and others are among those who benefit from this form of treatment. ● Deductibles Deductibles are the amounts you would pay out of pocket before you can take advantage of an insurance policy. Deductibles are available in a variety of ways, depending on the package. This deductible amount is aggregated over and above the amounts insured rather than being subtracted from it. Your premium will be lower if your deductible is higher. This deductible is only needed on the first claim; after that, the policy is enabled, and the remaining bills are paid. It's vital to consider what your health insurance provider covers without asking you to pay a deductible when choosing a plan. Then you may choose between a plan with lower monthly rates but a larger deductible or a plan with higher monthly premiums but a lower deductible. ● Exclusions The restrictions of your insurance policy are referred to as exclusions. Exclusions are all the things and expenses that the insurance policy doesn't cover. This is important to understand because if you file a claim for a fee that falls within the exclusions category, your claim will be denied. There would be a waste of time, money, effort, and other resources due to this. Normally, vital health insurance does not cover any act that makes you personally responsible for the consequences and is beyond your power. This may be for a variety of reasons, including self-inflicted injury, suicide, and so on. ● Family floater policies Person health insurance policies and family floater plans are both available. In this form of scheme, a single amount insured may be used to cover the medical expenses of any family member, including the partner, children, parents, and in-laws. Each member pays the same fee and has the same amount of coverage, so there is no need for an individual sum insured. When the age of the people covered is lower, a family floater works out to be less expensive. The premium for a floater is determined by the eldest member's age. As a result, there is a significant premium for enrolling older persons in the programme. ● Renewal Renewals of health insurance are a crucial element of benefits planning and administration. Even while no one likes dealing with a new set of premiums, deductibles, copays, and providers each year, with a little information and assistance, this may be a fantastic way to improve your coverage and save money. When the insured's policy is about to expire, and the policy term is coming to an end, the insured may choose the renewal of the policy. The same strategy can be renewed, or new riders and add-ons can be added to it. If necessary, the amount insured may also be adjusted. Renewal of the policy on time prevents it from expiring and saves the insured time, resources, and effort from having to purchase the policy again. ● Room rent Sub-limits and copayments are inconvenient for you and should be avoided. Room-rent caps are one example of a sub-limit that might raise your out-of-pocket expenses. The tariff paid by the hospital every day during the patient's hospitalisation is referred to as room rent. Many health insurance plans, including the critical illness Healthline scheme, cover the room rent. Depending on the terms and conditions of the insurance policy you have chosen, the charges can be covered partly or entirely. For better financial security during hospitalisation, policyholders should double-check whether their chosen policy covers room to rent or not. ● Sum insured The Sum insured is the duration of your insurance policy's coverage. It's the amount the insurance provider gives you in exchange for the rate you pay. You have the option of choosing your amounts insured as a policyholder. This amount could be somewhere between Rs. 25000 and Rs. 1 crore, or even more. It is suggested that you acquire a health insurance policy with a suitable amount of coverage at a reasonable price. Health insurance policy purchasers should choose coverage with a premium that is less than 2% of their yearly income, according to experts. For example, a person with a yearly salary of Rs. 5 lakh should get a health insurance policy with a maximum premium of Rs. 10,000. ● Top-up plans If your medical costs are very high, you can find that you use up your insurance policy's maximum amount faster than you would. As a result, you'll have to pay the remaining bills out of your pocket. If you don't have a stable source of income due to your medical condition, it could deplete your hard-earned savings and place you in a financial bind. A top-up policy applies per claim and only comes in if the Sum insured is more than your health insurance plan's coverage. If you have a top-up plan, for example, and your medical bill surpasses the amount covered by your health insurance plan, you can claim the difference from your top-up plan for that specific statement. Top-up plans come in handy in this situation. They are an addition to your Sum insured that can be used until your Sum insured is full. Your top-up package covers the remainder of your condition. It also has much lower premiums than a current scheme. ● Waiting period A waiting period is included with every insurance policy. It is the time when your policy is not active, and you are unable to claim it. A waiting period's rules and conditions differ from one insurance provider to the next. It's possible that not all illnesses that necessitate medical care are covered by the waiting time. For example, coverage for hospitalisation necessary as a result of an accident is available immediately. After the waiting period has ended, your policy will be enabled, and you will be able to file claims. The length of your waiting period is determined by the type of policy you buy. They can last anywhere between 30 days and 36 months, or even longer. The waiting period cannot be changed or customised to suit the needs of the policyholder. The insurance policy has a fixed waiting period. 09 September 2021 It's a best experience to your team . we can easy touch with you . that's why i like your services 09 September 2021 I would like to appreciate customer support team for the quick service on claim settlement. 09 September 2021 "Quick car insurance quotes" got an instant car insurance quote online by filling minimal details in the car insurance quote form. 09 September 2021 "car insurance extra benefits" I liked the add on covers offered with the car insurance policy. I added some to my policy while doing my car insurance policy renewal 09 September 2021 "thanks to the claim assistance team" Special thanks to the claim assistance team. They are cordial and patient. When I called them, they immediately set up an appointment for inspection and showed up. The claim process went smoothly. Overall a good car insurance product with addons. 09 September 2021 "add on covers are useful" My car insurance add on cover proved to be beneficial for me 09 September 2021 "I am satisfied with car insurance claim service" Got my car insurance policy claim. Thanks a lot for quick response. Great customer satisfaction policy 09 September 2021 "Reliable car insurance plan" I purchased a car insurance policy for my 4 wheeler which covered the cost for repairing the damages in an accident. Would recommend everyone to get a comprehensive plan 09 September 2021 "renewed car insurance" I renewed my car insurance online and I was happy that it took really less time. 09 September 2021 "Thanks Awesome Experience :)" Thanks awesome experience :) Easiest process You must learn certain simple terminologies to understand your Healthline insurance properly. They not only assist you in understanding how your strategy operates, but they also assist you in identifying any inconsistencies or loopholes in your current plan- Acute care is a concept that is commonly used in India's health insurance industry. It refers to when you are admitted to the hospital and receives treatment for a specific illness. In most cases, chronic illnesses do not necessitate hospitalisation. As a result, whether you're seeking medication after being admitted, it's because of an immediate exacerbation of your chronic illness, and it's known as acute care. You can add some extra advantages to your current policy. They are not included in the original regular or basic package and must be purchased separately to use. While add-ons increase your total premium, they are significantly less costly than buying a separate policy for that feature. p>Add-ons include emergency room tariff waivers, hospital cash benefits, and pregnancy coverage, among others. This applies to the minimum and maximum ages at which a policy may be purchased. A minimum of 18 years and a maximum of 65 years is normally the most common age limit. Depending on the policy you want, this can be extended to 70 years. When you realise that your healthcare expenditures are likely to grow in the future as a result of the overall rise in the cost of living, among other variables, it's time to acquire healthcare coverage. It is in your best interests to recognise the truth as soon as possible. To put it another way, you should get health insurance coverage when you're young to take advantage of a variety of perks. If you have a more serious condition or an emergency, you may need the assistance of an ambulance to get you to the hospital on time and to provide some basic care. This is particularly true in the case of heart disorders such as stroke and myocardial infarction. Ambulance services are only covered by health insurance, such as Medicare or medical insurance, when patients are transferred to hospitals for further care or if the ambulance service is contacted for a major medical emergency, such as a life-threatening condition. If the ambulance is needed for simple medical assistance, the price will not be covered by health insurance. Most insurance policies cover this expense, but some only cover it as part of their supreme plans. As a result, before filing an ambulance charge, you should carefully review your inclusions. If you do not have health insurance, you would be forced to pay your bills in cash at the hospital. This not only reduces your savings but also adds to the financial pressures and burdens you're already dealing with. Cashless claims refer to whether the insurance company negotiates with the hospital administration to get the payments cleared and covered by the policy. There is no presence of a third party because the insurance provider pays the dues directly. This helps you to concentrate entirely on your recovery rather than thinking about mounting debt. A claim refers to the compensation or reimbursement you receive if you have purchased an insurance policy. Depending on the policy you have chosen, the value of the bill is paid off by the number covered. For non-emergency care, many insurers demand pre-certification, which is separate from the claims filing (pre-certification happens before the medical procedure is performed). In any event, a claim may be denied based on the carrier's evaluation of the situation, and patients and medical providers can use the appeals procedure if this happens. Claim settlement refers to the process of filing, consent, and effective reimbursement from a claim. The surveyor carefully checks and rechecks your claim after you file it. The insurance agent determines liability, and the claim is accepted and processed only after that. The claim is deemed settled if you have obtained the funds from the claim. This concept is often used in both the medical and medical insurance fields. It refers to the existence of pre-existing conditions like COPD, hypertension, diabetes, kidney disease or disorders, cardiovascular disease, bleeding disorders, etc. The existence of these diseases and disorders significantly changes the care plan, and the treatment chosen by the doctor may become more complicated as a result. The more pre-existing conditions you have, the higher your premium would be. A medical exam is required for your premium. The more premium you are paid, the worse your test results are. The prevalence of comorbidities lowers your fitness and wellbeing while also increasing your insurance costs. A critical illness is any illness that puts one's life in jeopardy and can result in permanent disability or death if not treated promptly. This covers things like strokes, heart arrest, and seizures, among other things. This category also includes any acute exacerbation of a chronic illness. These policies pay out cash to assist cover overruns when standard health insurance may fall short since these crises or diseases frequently incur higher than normal medical expenditures. Health insurance for critical illnesses may help cover the costs of care. You may be compensated by your Chola MS depending on the disease and whether it is specified in the policy or not. A daycare procedure is any surgical or medical procedure that does not take more than 24 hours of hospitalisation and can be performed with or without admission. Cataract surgery, hemodialysis for kidney diseases and conditions, sinus operations, ear tympanoplasty, and other procedures fall into this category. Most health insurance plans cover these expenses. The essential thing to remember about daycare procedures is that not all short-term therapies qualify as daycare operations. As a result, OPD consultations should not be mistaken with the former. Due to advancements in medical technology and procedures, daycare treatment refers to treatments, surgeries, and operations that need hospitalisation for less than 24 hours. Both hospital protocols and recovery plans are followed in this form of hospitalisation but the comfort of the patient's own home. Medical care is provided outside of the hospital but without compromising or altering the treatment plan. Pregnant mothers, those undergoing hemodialysis for kidney disorders, and others are among those who benefit from this form of treatment. Deductibles are the amounts you would pay out of pocket before you can take advantage of an insurance policy. Deductibles are available in a variety of ways, depending on the package. This deductible amount is aggregated over and above the amounts insured rather than being subtracted from it. Your premium will be lower if your deductible is higher. This deductible is only needed on the first claim; after that, the policy is enabled, and the remaining bills are paid. It's vital to consider what your health insurance provider covers without asking you to pay a deductible when choosing a plan. Then you may choose between a plan with lower monthly rates but a larger deductible or a plan with higher monthly premiums but a lower deductible. The restrictions of your insurance policy are referred to as exclusions. Exclusions are all the things and expenses that the insurance policy doesn't cover. This is important to understand because if you file a claim for a fee that falls within the exclusions category, your claim will be denied. There would be a waste of time, money, effort, and other resources due to this. Normally, vital health insurance does not cover any act that makes you personally responsible for the consequences and is beyond your power. This may be for a variety of reasons, including self-inflicted injury, suicide, and so on. Person health insurance policies and family floater plans are both available. In this form of scheme, a single amount insured may be used to cover the medical expenses of any family member, including the partner, children, parents, and in-laws. Each member pays the same fee and has the same amount of coverage, so there is no need for an individual sum insured. When the age of the people covered is lower, a family floater works out to be less expensive. The premium for a floater is determined by the eldest member's age. As a result, there is a significant premium for enrolling older persons in the programme. Renewals of health insurance are a crucial element of benefits planning and administration. Even while no one likes dealing with a new set of premiums, deductibles, copays, and providers each year, with a little information and assistance, this may be a fantastic way to improve your coverage and save money. When the insured's policy is about to expire, and the policy term is coming to an end, the insured may choose the renewal of the policy. The same strategy can be renewed, or new riders and add-ons can be added to it. If necessary, the amount insured may also be adjusted. Renewal of the policy on time prevents it from expiring and saves the insured time, resources, and effort from having to purchase the policy again. Sub-limits and copayments are inconvenient for you and should be avoided. Room-rent caps are one example of a sub-limit that might raise your out-of-pocket expenses. The tariff paid by the hospital every day during the patient's hospitalisation is referred to as room rent. Many health insurance plans, including the critical illness Healthline scheme, cover the room rent. Depending on the terms and conditions of the insurance policy you have chosen, the charges can be covered partly or entirely. For better financial security during hospitalisation, policyholders should double-check whether their chosen policy covers room to rent or not. The Sum insured is the duration of your insurance policy's coverage. It's the amount the insurance provider gives you in exchange for the rate you pay. You have the option of choosing your amounts insured as a policyholder. This amount could be somewhere between Rs. 25000 and Rs. 1 crore, or even more. It is suggested that you acquire a health insurance policy with a suitable amount of coverage at a reasonable price. Health insurance policy purchasers should choose coverage with a premium that is less than 2% of their yearly income, according to experts. For example, a person with a yearly salary of Rs. 5 lakh should get a health insurance policy with a maximum premium of Rs. 10,000. If your medical costs are very high, you can find that you use up your insurance policy's maximum amount faster than you would. As a result, you'll have to pay the remaining bills out of your pocket. If you don't have a stable source of income due to your medical condition, it could deplete your hard-earned savings and place you in a financial bind. A top-up policy applies per claim and only comes in if the Sum insured is more than your health insurance plan's coverage. If you have a top-up plan, for example, and your medical bill surpasses the amount covered by your health insurance plan, you can claim the difference from your top-up plan for that specific statement. Top-up plans come in handy in this situation. They are an addition to your Sum insured that can be used until your Sum insured is full. Your top-up package covers the remainder of your condition. It also has much lower premiums than a current scheme. A waiting period is included with every insurance policy. It is the time when your policy is not active, and you are unable to claim it. A waiting period's rules and conditions differ from one insurance provider to the next. It's possible that not all illnesses that necessitate medical care are covered by the waiting time. For example, coverage for hospitalisation necessary as a result of an accident is available immediately. After the waiting period has ended, your policy will be enabled, and you will be able to file claims. The length of your waiting period is determined by the type of policy you buy. They can last anywhere between 30 days and 36 months, or even longer. The waiting period cannot be changed or customised to suit the needs of the policyholder. The insurance policy has a fixed waiting period. Chola - What is Chola Healthline Insurance
Privilege plan 
Enrich plan 
Freedom Plan 
Value plan Why should you opt for Chola Healthline?
What are the types of Chola Healthline Insurance Policies?
Value Plan
Freedom Healthline Insurance
Enrich Healthline Insurance
Privilege Healthline Insurance
Standard coverage and Different Benefits and Additional Covers
What is covered under the Chola Healthline Insurance Policy?
Hospitalization expenses
Pre-hospitalization expenses
Post hospitalization expenses
Ambulance costs
Daycare treatments
Organ donor treatments
Domiciliary treatments
Health check-ups
Treatments under AYUSH systems of medicines
Waiting period for all diseases
Pre-existing diseases
Self-inflicted injury
Substance abuse
War or act of hostility
Consumables
Benefits of Chola Healthline
Day care treatments
No-claim benefits
Organ donor cover
Non-Allopathic treatments covered
Emergency ambulance
Home hospitalization Or domiciliary hospitalization
Health check ups
Child hospitalization
Extended hospitalized allowance
Maternity expenses
AYUSH treatments
Newborn baby cover
Hospital cash allowance
Sum insured restoration
Variables that determine your Premium
How To Register A Claim
Modifying/Endorsing your Insurance details
Blogs
Chola Healthline Frequently Asked Question
Although your Health Insurance benefits do not cover items like regular doctor's appointments that aren't too expensive, the primary reason to provide coverage is to protect yourself from the high medical costs of a serious illness or accident. Such accidents can occur at any moment and often leave behind a financial crisis to the individual. It is preferable to purchase health insurance to save money in the event of an emergency.
Health insurance policies provided by your employer are frequently less expensive than purchasing coverage on your own. However, you are not obligated to take your employer's health insurance plan. To avoid frivolous and false claims, several companies have mandated that workers share a portion of the health insurance premium and claim sum (copayments) in recent years. To prevent the above issues, it is recommended that you purchase a private policy in addition to the group health insurance offered by your employer. Hear from our Happy Customer
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Medical Terminologies Used in Healthline Insurance
Acute care
Add-ons
Age limit
Ambulance cover
Cashless claims and hospitalisation
Claim
Claim settlement
Comorbidities or pre-existing diseases
Critical illness
Daycare procedures
Domiciliary hospitalisation
Deductibles
Exclusions
Family floater policies
Renewal
Room rent
Sum insured
Top-up plans
Waiting period
Healthline Partner Solutions Finding a Surgeon
Source: https://www.cholainsurance.com/health-insurance/chola-healthline