Topup Healthline – Features, Claim Process, Who Can Apply, Scope

Updated: 22-01-2024 11:26:45 AM

The Cholamandalam health insurance plans are highly affordable ones that offer broad coverage to cater to the needs of the customers. Topup Healthline by Chola MS is a top-up insurance plan that provides coverage for rocketing medical expenses applicable to individual basis and family floater basis, both. You can receive the total sum insured under the policy after the subtraction of deductibles.One can take this policy as an add-on cover to their existing Mediclaim plan and enhance the benefits.

Eligibility Criteria to Avail the Topup Healthline

 

Particulars	Details
Entry Age	Min: 18 years Max: 65 years
Entry Age for Children in Family Floater Plan	Min: 3 months l  Max: 25 years (male dependent child) l  35 years (female dependent child)
Policy Tenure	1 year/ 2 years/ 3 years
Sum Assured	Rs. 50,000 to Rs. 15 lakh
Deductible	Rs. 30,000 to Rs. 5 lakh
Policy Renewal Period	Lifetime Renewal
Maximum Permitted Members	5 members including 2 adults and 3 children

 

Features of Topup Healthline

Below given are the features of Topup Healthline from Chola MS:

• Lifetime renewal of policy is available under this top-up plan.
• Cashless hospitalization facility provided with the 7250+ network hospitals spread across India.
• You can avail direct claim settlement through the Chola MS Help, and no TPA (Third Party Administrator) is required for the same.
• 7 coverage options available on the basis of coverage provided under this top-up plan.
• Individual and floater plans are available.
• Room rent limit under this plan ranges from Rs. 500 to Rs. 10,000 per day based on the chosen plan coverage.
• The No Claim Bonus (NCB) facility is not available with this top-up plan.
• Emergency ambulance expenses are covered under this family health insurance plan.
• After a waiting period of 4 years, a majority of the pre-existing conditions are covered under this top up healthline plan.
• Pre-hospitalization charges of 60 days prior to hospitalization that is up to 5% of the sum claimed is provided under the plan.
• Post-hospitalization charges of 90 days post hospitalization that is up to 10% of the sum claimed are covered under the plan.
• No medical tests are required under this top up plan up to 55 years of the insured.

Exclusions of the Policy

The Topup Healthline plan has listed a few permanent exclusions from the policy coverage, they are:

• No pre-existing conditions are covered until the completion of 4 continuous policy years.
• 30 days waiting period from the date of commencement of the topup Healthline insurance policy applies to all the claims made except for accidental claims.
• Hospitalization induced due to war or warlike situations
• Any illness related to pregnancy
• Cosmetic treatments
• Treatment of AIDS
• Treatments for illness/ injury/ disease due to abuse of drug or alcohol intoxication
• Treatment for mental disorders
• Treatment for congenital diseases
• Dental treatment that does not require hospitalization

How to buy Topup Healthline (Online)

This Topup Healthline plan can be purchased online easily in a few clicks only.

Steps:

• You can visit the main website of Chola MS i.e. https://www.cholainsurance.com/ and navigate to Health Insurance page from the top bar menu.
• There you will find a list of plans on the left hand side, choose Chola Topup Healthline.
• Now on this page, scroll down and click on the red link saying ‘ Buy Online Now’.
• You will be directed to the page where you need to fill a form to create an account and then everything else will follow according.

How to File a Claim with Cholamandalam for Topup Healthline ?

In the incident of hospitalization of the insured individual in any of the network hospitals, he/she need not pay any money for availing the treatment up to the sum insured. However, this will be based on the terms and conditions of the Chola MS health insurance policies. The insured individual can directly contact the Chola Help Desk to make claims under the top up policy. Also, the insured can opt to claim for reimbursement for the charges paid for the treatment defined under the inclusions of the plan.

Documents to be Submitted for Filing a Reimbursement Claim

In case the insured settles the bills for the treatments defined under the policy coverage, he/she can claim for reimbursement. Depending on the terms and conditions mentioned on the policy documents, Chola MS will process the claim and reimburse the medical expenses incurred by the insured up to the sum assured in the policy. Below mentioned are the documents to be submitted for making a reimbursement claim:

• Duly filled and signed claim form
• Doctor’s prescription advising for hospitalization
• Document of discharge from the hospital
• Receipt for the bills paid for the treatment
• Bills of the medicines bought for the treatment
• Final hospital bill
• Consultation documents
• All other supporting documents

Renewal Process of Chola Topup Healthline

Renewal can be processed within a period of 30 days from the expiry date of previous top up. In this process, there is provision of change in the Sum Insured. This increment, if any, would be issued in the form of a brand new top up.

Benefits offered under the Topup Healthline

Below given are the benefits provided under the Chola MS Topup Healthline :

• With the lifetime renewal facility, you get a 30 days grace period for renewing the Chola MS Topup Healthline Policy.
• The initial waiting period for all the claims is 30 days except for accidental claims.
• You can avail coverage for 141 daycare treatments under this top-up health insurance policy that requires hospitalization of less than 24 hours.
• Few diseases/ treatment like Hernia, Sinusitis, Piles, Tonsillitis, etc. are covered only after a waiting period of 1 policy year.
• Diseases/ illness like Arthritis, Spondylitis, Diabetes, Varicose Ulcers, Varicose Veins and such are covered only after 2 continuous policy years.
• Individuals, spouse, dependent children, and dependent parents below 60 years can avail tax deductions of up to Rs 25,000 in the premiums paid for the top up plan.

Customer Care Services

• 24-hours Service:

For Indian Customers: 1800-200-5544

For Customers abroad: 9144-3098 5300

• Email:

customercare@cholams.murugappa.com

• SMS:

SMS “CHOLA” to 56677

• Write to:

Cholamandalam MS

General Insurance Company Ltd.,

2nd Floor, “Dare House”

No. 2, NSC Bose Road

Chennai – 600001, India

• For generic queries:

https://www.cholainsurance.com/contact-us.aspx

FAQs

Q1. How often can I avail free health checkup?

You can get free health checkup from Chola Topup Healthline once after every 2 consecutive claim-free years.

Q2. How can I claim for reimbursement in case I do not get admitted to a network hospital?

In the incident of admission to a non-network hospital of Cholamandalam Insurance Company, you can avail the reimbursement for the expenses incurred in case you meet the terms and conditions applicable in your policy. Also, you will have to provide the necessary relevant documents supporting your claim for the same. Your claim will be accepted, and reimbursement will be done only after the verification of the submitted documents.

Q3. If I purchase a health insurance policy from one state and get transferred to other states within India, will my insurance be valid?

The Cholamandalam health insurance plans are valid throughout India. Even if you purchase the policy from one state and avail treatment from some other state of India, your insurance coverage will be provided as per the terms and conditions of the plan. However, no coverage will be offered for the treatments availed outside the boundaries of India.

 

Features
Claim Type (In-House or TPA)	In-House
Pre-Hospitalization	Yes, 60 days
Network Hospital Count	7250+
Post-Hospitalization	Yes, 90 days
Room Eligibility	Rent ranging from Rs.500 – Rs.10,000
Share Claim Payments	No
Restoration of Cover	No
No Claim Bonus	5% each year up to a max. of 50% (Only in Section 1)
Ambulance Charges	Rs. 3,000 every hospitalization
Worldwide Coverage	No
Maternity Cover	No
Hospitalization at Home	No
Day Care Treatment	Yes
Non-Allopathic Treatment Coverage	No
Health Check-up	No,  till the age of 55 years