Chola MS Critical Healthline Plan
Chola MS Healthline Plan
  • Two Plan Variants
  • Lifetime Renewability
  • No Medical Check-up Till 55
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Chola MS Critical Healthline Plan

This health insurance plan is particularly for a list of critical illnesses mentioned in the policy. It is essential to have a critical illness health insurance plan like Chola Critical Healthline plan to get more coverage in case of treatment, as critical illnesses treatment charges comparatively higher. The plan provides the insured wider coverage as it provides coverage to the spouse and dependent children too.

Two Plan Options:

Cholamandalam MS Critical Healthline Insurance Plan Variants have been mentioned in the tabular form:

Type IStandard PlanCoverage For 10 Critical Illnesses
Type IIAdvanced PlanCoverage For 12 Critical Illnesses along with ambulance coverage charges up to Rs. 1000.

Features of Chola Critical Healthline Plan

The features of Critical Healthline policy have been mentioned below:

  • Renewal:
    It offers its policyholders a lifelong renewability option. The plan can be renewed on an annual basis after paying the renewal premium on time.
  • Pre-insurance Medical Checkup:
    All the policy buyers below the age of 55 years do not require to go through the pre-insurance health checkup whereas the same is mandatory for all who are 55 years old and above in age.
  • Tax Benefits:
    The insured's get tax benefit up to Rs. 25,000 under Critical Healthline Plan.
  • Flexibility:
    There is flexibility relating to the sum insured. The policy buyer can choose a sum insured as per the requirement.
  • Proof For Claim:
    During the claim procedure, the insured does not need to present any proof of expenses/ hospitalization bills under this health insurance policy.
Chola MS Critical Healthline Plan
  • Differential Rates Based on Gender:
    This health insurance plan charges different premiums based on gender. The male members have a different premium table while the females need to pay according to the premium table designed for them.
  • Initial waiting Period:
    The initial waiting period for the treatment of critical illness is for 90 days from the date of inception of the policy.

Eligibility of Chola MS Critical Healthline Plan

All the information relating to eligibility have been mentioned in a tabular form for easy reference:

Criteria Details
Adult Minimum Entry Age18 Years
Adult Maximum Entry Age65 Years
Children Minimum Entry Age05 Years
Children Maximum Entry Age65 Years
Number Of ChildrenMaximum Up To 3
Sum Insured Option3 Lakhs, 5 Lakhs, 10 Lakhs.

Cholamandalam MS Critical Healthline Plan Coverage

In case any individual or family member insured under the Critical Healthline health insurance plan is diagnosed with a critical illness for the first time then he is liable to get a lump sum amount for the treatment of the illnesses.

Here is a list of critical illnesses that is subject to get a lump sum amount for treatment under the plan.

List Of Critical Illnesses Covered:

Standard Critical Healthline Plan Advanced Critical Healthline Plan
Open Chest CABGMultiple sclerosis with persisting symptoms
Stroke resulting in permanent symptomsSurgery to aorta
Kidney failure requiring regular dialysisMajor organ/ bone marrow transfer
Myocardial InfarctionCancer of specified severity
Major organ/ bone marrow transferOpen Chest CABG
Surgery to aortaStroke resulting in permanent symptoms
Multiple sclerosis with persisting symptomsMyocardial Infarction
Permanent paralysis of LimbsPrimary Pulmonary hypertension
Primary pulmonary hypertensionKidney failure requiring regular dialysis
Cancer of specified severityPermanent paralysis of Limbs
Motor neuron disease with permanent symptoms
Parkinson’s disease

Chola Critical Healthline Plan Sample Premium

The below-mentioned premium for the Chola Standard Critical Healthline Plan and Chola Advanced Critical Healthline Plan is inclusive of 18% of GST. In case of renewal of the policy beyond 65 years of age, the policyholder needs to contact the nearest Cholamandalam MS office.

Chola Standard Critical Healthline Plan

Age (Years)/ Sum Insured 3 Lakhs5 Lakhs10 Lakhs3 Lakhs5 Lakhs10 Lakhs

Chola Advanced Critical Healthline Plan

Age (Years)/ Sum Insured 3 Lakhs5 Lakhs10 Lakhs3 Lakhs5 Lakhs10 Lakhs

Healthline Policy Survival Period

Stroke Resulting in Permanent Symptoms:

Any stroke that causes permanent neurological disorder and persists for more than 6 months, is considered to be payable under this health insurance policy. The survival period for this illness is 90 Days.

First Myocardial Infarction:

The first heart attack gets coverage under the policy with a survival period of 30 Days.

Primary Pulmonary Hypertension:

It is abnormally high blood pressure in the arteries of the lungs. The plan provides coverage for treatment for such situations with a survival period of 30 Days.

Kidney Failure Requiring Regular Dialysis:

In case of failure of both kidneys, the plan processes claim after the survival period of 30 Days.

Permanent Paralysis Of Limbs:

In case of complete/ permanent loss of both arms or both legs/ one arm and one leg, because of persisting paralysis then, in this case, the claim is accepted with a survival period of 180 days.

Motor Neuron Disease With Permanent Symptoms:

This claim is only accepted under the Advanced Critical Healthline cover. In case of loss of motor abilities like speaking, breathing, walking, or normal body movement for more than continuous six months then the claim can be made with a survival period of 90 Days.

Parkinson’s Disease:

This disease gets coverage only under the Advanced Critical Healthline Insurance Policy. In case of loss of muscle function for more than 6 months due to the neurological disease, it gets coverage. It has a survival period of 180 days

Multiple Sclerosis With Persisting Symptoms:

After completing the survival period of 180 days, the claim is only paid in case the disease persisted for the last 6 months.

Surgery To Aorta:

The surgery required, in case the arteries become narrow to cure the patient, is covered under the plan after the insured serves the survival period of 30 Days.

Major Organ/ Bone Marrow Transfer:

Transplant of heart, lung, kidney, pancreas, liver or bone marrow is getting coverage under the plan. The survival period for the disease is 30 Days.

Cancer of Specified Severity:

Any claim related to the serious issue of cancer gets processed after a survival period of 30 Days.

Open Chest CABG:

Open chest surgery gets claim under the Critical Healthline Insurance Plan with a survival period of 30 Days.


  • Pre-existing diseases leading to critical illness
  • Insured diagnosed with a critical illness within the initial waiting period of 90 days.
  • Self-inflicted injury
  • Alcoholism
  • Drug abuse case
  • Death of policyholder before survival period specified for particular illnesses.

Chola MS Critical Healthline Policy Review

Critical Healthline Insurance Policy has been liked a lot by the policyholders because it provides comprehensive coverage to the entire family from life-threatening diseases. The policyholders found the list of critical illnesses apt and the survival period reasonable to be served.


No, Parkinson’s disease is not covered under the policy.

65 years is the maximum entry age for adults to buy the plan.

The maximum sum insured under the plan is Rs. 10 Lakhs.

Yes, both the variants Standard and Advanced Critical Healthline Insurance policy have a similar sum insured amount.

The survival period for a heart attack is for 30 days.

No, any pre-existing diseases leading to critical illnesses do not get coverage under the plan and are mentioned in the exclusion of the policy.

Last updated on 12-11-2020