Family floater plan offered by Cholamandalam MS general insurance company to retail customers. The following discussion list a snapshot of the benefits, coverage, exclusions etc. Sum insured can be shared by all the family members.

Benefits

Chola MS Family Health Protection Insurance covers entire family against hospitalisation expenses. Single premium and single Sum Insured for entire family. Sum Insured floats over the entire family and can be claimed by any / all the family members.

Illustration: A family of say 4 members (2 adults and 2 Children) can buy a Chola MS Family Health protection policy for a Sum Insured of 4 Lakhs for a single premium of Rs 9826 (based on age of senior most family member). The family can claim the entire Sum Insured of Rs 4 Lakhs for any / all the members of the family within the policy period.

Term cover - valid for one year from date of inception

Entry age upto 45 yrs

No medical check up required

Renewal upto 69 yrs of age

No hidden Conditions / Clauses (No Sub-limits for diseases)

Sum Insured from Rs 2 L to Rs 5 L

No hassles of tracking renewals for different members

Coverage

Chola MS Family Health Protection Insurance covers entire family against hospitalisation expenses. The Insured / Family members on diagnosis with an illness and hospitalized for 24 hrs above are eligible to claim for the following expenses arising out of hospitalisation.

Hospitalisation

Rooms and Boarding charges

Doctor fees

ICU charges

Nursing Expenses

Surgeon Fees, OT charges

Medicines consumed on premises

Dressing , splints, casts

Implanted prosthetic devices during surgery

Organ transplantation costs

Pre-hospitalization expenses upto 60 days

Post-hospitalization expenses upto 90 days

Emergency Ambulance expenses

141 Day care expenses - Procedures not requiring 24 hrs of hospitalization

External Aids (related to hospitalized illness)

Hospital Daily Allowance

Home nursing care allowance

Exclusions

• Any Illness diagnosed or diagnosable within 30 days of the effective date of the Policy Period will not be payable
• Cataracts, Benign Prostatic Hypertrophy, Hysterectomy for Menorrhagia or Fibromyoma, Hernia, Hydrocele, Fistula in anus, Piles, internal congenital disease, Sinusitis and related disorders. This exclusion shall cease to apply if the Policyholder has been covered under a Health Insurance policy with the Insurer for 1 full year
• Any expenses for Pre-Existing Conditions will not be payable as defined in the Policy, until 48 consecutive months of coverage for the Insured person have elapsed, since inception of the first Policy with the Insurer

•  War, radioactivity, pregnancy and related illnesses, HIV and related conditions, travel expenses, vaccination, dental expenses, cosmetic treatment expenses, obesity, beauty treatment etc

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