Chola MS will provide a Lump Sum Benefit on the first diagnosis of any of the Critical Illnesses covered under the plan. This means you have the security of a guaranteed sum in case you or your family member is diagnosed with a critical illness.
Survival period is the time period when the disease and its effects become irreversible. In order for the claim for Critical Illness Insurance to be effective, the severity of illness and survival of the insured person beyond the survival period needs to be established.
Here's the detailed list of Survival Periods for diseases covered in critical healthline.
A few more specifications about Critical Illness with clarity on valid and non-valid claims:
Malignant tumors including leukemia, lymphomas and sarcomas characterized by uncontrollable growth and spread of malignant cells and the invasion and destruction of normal tissue are eligible for a claim.
A stroke causing permanent neurological damage, which lasts for more than six months is payable under the policy. Reversible ischaemic attacks and traumatic injuries to brain are excluded.
First occurrence of Myocardial Infarctions are eligible.
Open chest surgery for the treatment of a block in one or more coronary arteries with bypass grafts (CABG) is eligible for a claim.
A claim is payable when there is failure of both kidneys.
When the symptoms of Multiple Sclerosis persist for at least six months, a claim is payable.
This policy covers transplant of a heart, lung, liver, kidney, pancreas (excluding the transplantation of the islets of Langerhans only) or bone marrow.
A claim is payable for paralysis when there is a complete and permanent loss of use of both arms or both legs or one arm and one leg, due to paralysis persisting for at least six months.
When arteries become narrow and need surgical intervention to replace diseased ones with grafts, claims are valid.
Pulmonary hypertension or abnormally high blood pressure in the arteries of the lungs is eligible for claim.
Loss of muscle function and when normal activities are affected due to diseased motor neurons for at least six months is eligible for cover.
When motor neurons are diseased, and voluntary muscle activities including speaking, walking, breathing, swallowing and general movement of the body are affected for at least six months, claims can be made.
Chola MS Critical Healthline is a comprehensive health insurance policy plan which provides health cover for you and your loved ones.
You can also choose from our customized health insurance plans - Chola Healthline, Super Topup Plans and Hospital Cash Healthline.
Cholamandalam MS, a General Insurance Company in India, offers a wide range of insurance policies for individuals and corporates.
For individuals, there are products like Car Insurance, Travel Insurance, Two Wheeler Insurance, Health Insurance, Personal Accident Insurance, Crop Insurance and Home Insurance. For SME's and Corporate Insurance clients, Chola MS offers customized insurance solutions encompassing insurance and risk consulting services such as Group Mediclaim Insurance, Group Personal Accident Policy, Engineering Projects Insurance, Engineering Operations Insurance, Liability Insurance, Marine Insurance, Fire Insurance and other Miscellaneous Insurance Solutions.
All Rights Reserved. Cholamandalam MS General Insurance Company Ltd. Insurance is the subject matter of solicitation. Reg office: 2nd Floor, "Dare House", No.2, NSC Bose Road, Chennai - 600001, India. IRDAI Registration Number : 123. Trade logo displayed above belongs to ‘CHOLAMANDALAM FINANCIAL HOLDINGS LIMITED” (formerly known as TI financial holdings limited) and Mitsui Sumitomo Insurance Company Limited and used by Chola MS under license. CIN : U66030TN2001PLC047977.
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The advertisement contains only an indication of cover offered. For more details on risk factors, terms, conditions and exclusions, please read the sales brochure carefully before concluding a sale
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