Benefits

{MORE} Comprehensive Coverage Hospitalization, day care and outpatient needs (dental care, eye care etc.) Maternity hospitalization Ayurvedic Treatments also covered 141 day care procedures that require less than 24 hours hospitalization 60 days pre-hospitalization and 90 days post-hospitalization expenses
{MORE} Convenient Network of over 2,600 partner hospitals across the country for cashless hospitalization Direct claims settlement through Chola MS HELP – 24x7 Cashless authorization within 2 hours of intimation
{MORE} Caring Free Health Check-up & eye examination every 2 claim free years Claim free bonus upto 50% of Sum Insured – to help fight medical inflation Chola Wellness Health Alert Service on your Mobile phone

Insurance is the subject matter of solicitation. This policy is underwritten by Cholamandalam MS General Insurance Company Ltd. (Chola MS), whose registered office is at 2nd Floor, "Dare House", No.2, NSC Bose Road, Chennai – 600 001. This information is given by IndusInd Bank, India (Licence no:DCL 1749817), whose registered office is at 2401, Thimmayya Road, Pune – 410 301 and which is a corporate agent of Chola MS. IndusInd Bank does not accept any responsibility for Chola MS's actions or decisions. Conditions Apply. Please refer to the policy contract for details

Features

Feature	Eligibility
Floater Sum Insured	Rs.4/6/10 Lakh
Claim Free Bonus - upto 50% of SI	5% of SI for every claim free year
Room, Boarding & Nursing Expenses	SI Rs.4 lakh - AC Single Room upto Rs.3,000/- per day SI Rs.6 & 10 Lakh – AC Single Room upto 1% of SI per day
Home Hospitalization	Up to 25% SI, max of Rs.1 lakh
Daily Cash for choosing shared accommodation	Rs.500/- per day for max 14 days (1 day deductible)
General Health Check-up & Eye Examination	1.0% of SI once after every two continuous claim free renewals per family
Emergency Ambulance	Rs.3,000/- per insured per policy year
Maternity expenses (5 yr. waiting period)	Rs.25,000/- (normal) & Rs.40,000/- (Caesarean)
Ayurvedic Therapy Treatments	Upto 7.5 % of SI. 20% for co-payment for specific treatments
OPD Dental (3 yr. waiting period)	1% of SI (max of Rs.5,000/- with 30% co-payment)
External Aids (Specs , Contact Lens, Hearing aids) waiting period 3 years	1% of SI max Rs.5000/- once in a block of 2 years with 30% co-payment by insured
Reduction of Claim Free bonus in case of a  claim	5%
Sub Limits against Diseases	No Sub Limits
Chola Wellness Health Alerts	Available – Option 2

Insurance is the subject matter of solicitation.
This policy is underwritten by Cholamandalam MS General Insurance Company Ltd. (Chola MS), whose registered office is at 2nd Floor, "Dare House", No.2, NSC Bose Road, Chennai – 600 001. This information is given by IndusInd Bank, India (Licence no:DCL 1749817), whose registered office is at 2401, Thimmayya Road, Pune – 410 301 and which is a corporate agent of Chola MS. IndusInd Bank does not accept any responsibility for Chola MS's actions or decisions. Conditions Apply. Please refer to the policy contract for details

Main Exclusions

• Benefits will not be available for pre-existing conditions until 24 months of continuous coverage from first policy start date
• Expenses during first 30 days of commencement of policy except in the case of accidents. Not applicable for renewals
• Cataract, Benign Prostatic Hypertrophy, Hysterectomy for Menorrhagia or Fibromyoma, Hernia, Hydrocele, Fistula, Piles, Sinusitis and related disorders, Gall stones covered after a waiting period of one year
• Spondylitis, Spondilosis, Knee / Hip joint replacement, Heart disease, Internal congenital diseases, any type of Carcinoma / Sarcoma / Blood Cancer, Osteoarthritis of joint, Calculus diseases of Gall bladder, and Urogenital, Gastric and Duodenal Ulcers, Internal tumors, cysts, nodules, polyps including breast lumps (each of any kind, unless malignant), Gout and Rheumatism, ENT disorders and Surgery, Surgery of Genitourinary system, Surgery for prolapsed Inter vertebral disk, Surgery of Varicose veins and Varicose Ulcers, Surgery on covered after a waiting period of two years

Insurance is the subject matter of solicitation. This policy is underwritten by Cholamandalam MS General Insurance Company Ltd. (Chola MS), whose registered office is at 2nd Floor, "Dare House", No.2, NSC Bose Road, Chennai – 600 001. This information is given by IndusInd Bank, India (Licence no:DCL 1749817), whose registered office is at 2401, Thimmayya Road, Pune – 410 301 and which is a corporate agent of Chola MS. IndusInd Bank does not accept any responsibility for Chola MS's actions or decisions. Conditions Apply. Please refer to the policy contract for details