chola-flexi-health-plan
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About Chola Flexi Health

    Flexi Health Insurance is an indemnity Health cover which provides you cost effective method of protecting against unexpected health issues with more control over your health care, choice of services and choice of doctor. A health insurance that moulds itself around your life. You can personalize your sum insured, premium mode and tenure under the policy. The product also covers you for alternate treatments besides alopathy.

Key Benefits

  • Flexible Premium Payment options
  • Flexible Sum Insured options: Rs. 1/ 2 / 3 / 5 / 7.5 / 10 / 15 / 20 / 25 Lakhs
  • Location based premium rating
  • Coverage on Individual and Family floater basis
  • Sum Insured Restoration up to 100%
  • Recharge Benefit
  • Additional Sum Insured for Road Traffic Accidents
  • Daily Cash Benefit for accompanying person expenses
  • Waiting period of only 36 months for Pre-existing conditions/Disease
  • Tax Exemption under Section 80D of Income Tax Act
  • Cashless facility at over 8100+ network hospitals
  • No Third Party Administrator. Direct Claim settlement
  • Lifelong Renewability
 

Entry Age

  • Adult – 18 to 65 Years
  • Children – 03 months to 26 years

What It Covers?

 
Basic Cover
1
Hospitalisation Expenses
Covered
2
Pre-Hospitalisation Expenses
Upto 30 days
3
Post-Hospitalisation Expenses
Upto 60 days
4
Day Care Procedures
Covered
5
AYUSH Coverage
Covered
6
Domiciliary Hospitalisation Cover
Covered
7
Organ Donor Hospitalisation Expenses
Covered
8
Emergency Ambulance Expenses
upto 1% of SI subject to a maximum of Rs.2,000/- per hospitalisation
9
New born Baby Cover
Coverage from Day one subject to mother being covered under the policy for continuous 12 months from policy commencement date
Additional Covers (Over and above the basic Sum Insured)
1
Sum Insured Restoration for unrelated claims (Applicable for SI Rs.3 lakhs & above)
  • Sum Insured Restoration upto 100% for unrelated claims in the event of exhaustion or insufficient Sum Insured & Cumulative Bonus.
  • This benefit will not be applicable for claims due Road Traffic Accidents.
2
SRecharge Benefit for related claims (Applicable for SI Rs.3 lakhs & above)
  • Upto defined limits for related claims. (Hospitalisation for which claims have already been admitted under the policy).
  • This benefit will not be applicable for claims due to Road Traffic Accidents.
3
Additional Sum Insured for claims due to Road Traffic Accident (RTA) (Applicable for SI Rs.3 lakhs & above)
  • Upto 25% of SI subject to a maximum of Rs.3 lakhs once during the policy period.
  • Restoration and Recharge benefit will not be applicable for claims due to Road Traffic Accidents.
4
Daily Care Benefit
  • Daily Benefit of Rs.500/- per day towards accompanying person expenses upto a maximum of 10 days per policy period.
  • Payment of this benefit is subject to admissibility of claim under Base Cover
5
Compassionate Travel
  • Reimbursement of travel expenses upto Rs.5000/- by air incurred to visit the hospitalized insured by an immediate family member for a life threatening emergency medical condition.
  • Payment of this benefit is subject to admissibility of claim under Base Cover
6
Repatriation of Mortal Remains
  • Upto Rs.3,000/- subject to an admissible claim under the policy
  • Payment of this benefit is subject to admissibility of claim under Base Cover
7
Medical Second Opinion
  • Reimbursement of cost of obtaining Specialist Medical Opinion up to a maximum of Rs.25,000/-
  • Payment of this benefit is subject to admissibility of claim under Base Cover
 

Empowering Customers