Cholamandalam MS Freedom Healthline Policy

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Brief Overview

A joint venture between Murugappa Group and Mitsui Sumitomo Insurance Company Limited, Japan, Chola MS is providing its customers motor, property, accident, travel, crop and health insurance. With a Gross Written Premium (GWP) of almost INR 41 million in 2018, Chola MS is slowly becoming one of the most trusted and popular insurance companies. 

Chola Healthline is a popular health insurance policy that offers comprehensive insurance on an individual, family as well as floater sum insured basis. Under this policy, 4 different plans are available, each suiting specific needs of customers. 

  1. Freedom Healthline
  2. Privilege Healthline
  3. Value Healthline
  4. Enrich Healthline  

Today, we are going to discuss the Cholamandalam MS Freedom Healthline Policy in detail. 

Cholamandalam MS Freedom Healthline Policy - Highlights

Cholamandalam MS Freedom Healthline Policy can be availed as a family floater or as an individual plan. Along with the cashless method of claim, you can also claim in the form of reimbursement.

  • You can choose a sum insured from - 3 lakhs, 5 lakhs, 7.5 lakhs, 10 lakhs and 15 lakhs
  • Covers almost all aspects of hospitalisation
  • Alternate medicines, AYUSH, are covered
  • You can avail ambulance benefits in an emergency
  • Over 141 Day-Care procedures are covered
  • Break-free Renewals bring with them- Cumulative Bonus and Free Health Check-Ups
  • Avail a 6% discount on a 2-year policy and a 12% discount on a 3-year policy
  • 10% discount on the policy premium to insured from Tier-2 location

Cholamandalam MS Freedom Healthline Policy - Benefits 

  1. In-Patient Hospitalisation
    The following expenses would be covered:
    • Room Rent, nursing and boarding
    • Doctor’s fee
    • ICU charges
    • Physical therapy expenses
    • Medical costs
    • Prosthetic devices
  2. Options to choose Sum Insured
    You have a lot of options when it comes to choosing the sum insured. You can select from INR 3 lakhs to INR 15 lakhs. 
  3. Wide Coverage
    This plan allows you to cover your entire family including your parents, in-laws and even your siblings.
  4. Domiciliary Hospitalisation
    If the condition requires medical treatment for a minimum of 2 days, domiciliary hospitalisation will be covered for a maximum period of 7 days per insured person per policy year. This will be claimed through reimbursement. 
  5. Unlimited Claims
    Till the time you exhaust the sum insured, there is no limit on how many health claims you can claim.
  6. Cashless Claims
    With over 6000 network hospitals spread all across the country, you will never be too far for availing cashless hospitalisation.
  7. Pre-Hospitalisation
    Expenses on a treatment begin much before then hospitalisation. Often investigations, consultations and tests are required and they are quite heavy on the pocket. The expenses that you incur up to 60 days before hospitalisation for the treatment of the same injury/illness will be covered.
  8. Post-Hospitalisation
    Expenses on treatment do not end with hospitalisation. Often investigations, follow-ups are required. The expenses that you incur up to 90 days after hospitalisation for the treatment of the same injury/illness will be covered.
  9. Organ Donor Transplant
    Organ donation is covered under this policy. The transplant must be in accordance with The Transplantation of Human Organs Act 1994 and amendments thereafter. 

  10. Day-Care Treatment
    Certain treatments need the patient to be admitted in the hospital for less than 24 hours, these are called day-care treatments. 141 of such listed day-care treatments are covered under the plan.
  11. Ambulance Cover
    In an emergency, when you call for an ambulance to the nearest hospital you will be covered up to INR 2,000 per hospitalisation.
  12. AYUSH Treatments
    Treatments apart from allopathy or modern medicine, for example, Ayurveda, Unani, Sidha and Homeopathy will be covered.
  13. Tax Benefits
    Investing in a health insurance policy comes with all kinds of benefits. The premium that you pay towards the policy would be allowed as a deduction under Section 80D of the Income Tax Act, 1961. 

  14. Renewal Benefits
    • Health Check-Ups
      When you stay claim-free for a period of 3 years, the company offers you a free general health check-up. In case of a family floater policy, all insured members of the family will undergo the check-up
    • Cumulative Bonus
      For every claim-free year, you will receive a bonus of 5% of the Sum Insured. This bonus can go up to 50% of the Sum Insured.

Cholamandalam MS Freedom Healthline Policy - What is NOT covered?

Exclusions are the services that are not included in a health insurance cover. The following are not covered in Freedom Healthline Policy :

  • On the purchase of a new policy, there is an initial waiting period of 30 days for all kinds of illnesses. During this period no hospitalisation will be covered except the ones arising from an accident.
  • Pre-Existing Diseases are not covered till 48 months of continuous coverage
  • For the treatment of listed diseases, there is a waiting period of 2 years
  • Injuries or illness that arises from self-inflicted harm are not covered
  • Vaccinations are not covered, except for animal-bite treatment

Cholamandalam MS Freedom Healthline Policy - Other Details

Features AvailableFreedom Healthline Policy
Sum Insured in INR3 lakhs, 5 lakhs, 7.5 lakhs, 10 lakhs, 15 lakhs
In-patient ExpensesCovered
Pre-Hospitalisation60 days
Post-Hospitalisation90 days
Domiciliary Hospitalisation Up to 7 days 
Room Rent Covered
Health Check-UpAfter 3 claim-free years
Day Care Treatment Covered up to SI (if performed in Network Hospital)
Organ donor Hospitalisation Covered
Emergency Ambulance INR 2,000 per hospitalisation
Maternity Expenses Not Covered
Option of Co-paymentNot Available
Cumulative Bonus5% of SI for every claim-free year, up to 50% of SI
AYUSH Coverage Available
  1. Free Look period
    A free-look period is a 15-day period that starts from the date of receipt of the policy. This period of time is given to you to review the terms of the policy and return it, if not fully satisfied. However, the return can be made, provided no claims have been made. The refund will be made after deducting the cost of medical screening, stamp duty charges and proportionate risk premium.
  2. Grace Period
    Subject to the payment of premium, the policy may be renewed for 12/ 24 or 36 months. A 30-day grace period starts immediately when the policy ends. to renew the policy. Once the grace period is over, your policy will lapse. Note that you would not be able to make any claim during the grace period.
  3. Migration and Portability
    If you wish to port out of Freedom Healthline Policy, without breaking the cover, you need to get in touch with the company at least 45 days prior to the renewal date of the policy. 

Cholamandalam MS Freedom Healthline Policy - Eligibility

Entry Age 

Adults: 18 years to 65 years

Dependent Children: 90 days to 26 years

Maximum Coverage AgeLifelong Renewal
Pre-Policy Check-Up Not required up to 45 years of age
Premium PaymentOnce till the plan expires
Sum Insured INR 3 lakhs, 5 lakhs, 7.5 lakhs, 10 lakhs, 15 lakhs
Policy Term1 year, 2 years and 3 years 

Cholamandalam MS Freedom Healthline Policy - Renewal 

A policy renewal refers to the conditions on which the contract of the health insurance plan can be renewed with mutual consent. Things to remember at the time of renewal–

  • You can enhance the sum insured at the time of renewal
  • The increased Sum Insured will be subject to the waiting period applicable under the policy
  • In case you are found to be involved in any fraud/ non-co-operation, the policy may not be renewed
  • The policy premium may be revised, with the approval of IRDA
  • Treatments undergone by the policyholder during the grace period will not be covered

Cholamandalam MS Freedom Healthline Policy - Premium Details

Premium Details - Individual Cover 


Sum Insured

INR 3 lakhs

Sum Insured

INR 5 lakhs

Sum Insured

INR 7.5 lakhs

Sum Insured

INR 10 lakhs

Sum Insured

INR 15 lakhs

Age Band 






Up to 18 Yrs






19-25 Yrs






26-35 Yrs






36-45 Yrs






46-50 Yrs






51-55 Yrs






56-60 Yrs






61-65 Yrs






Premium Details - Family Floater Cover (with 4 Members) 


Sum Insured

INR 3 lakhs

Sum Insured

INR 5 lakhs

Sum Insured

INR 7.5 lakhs

Sum Insured

INR 10 lakhs

Sum Insured

INR 15 lakhs

Age Band 897213844179042223524731
Up to 18 Yrs920314210183822283329508
19-25 Yrs1197516533237492954138230
26-35 Yrs1249916881240322989538690
36-45 Yrs1533524197305973810549367
46-50 Yrs2243538827489746107279220
51-55 Yrs2305839918519606480684074
56-60 Yrs34388512916336579061102606
61-65 Yrs41450618847648195456123919

Cholamandalam MS Freedom Healthline Policy - Claim Process

With Freedom Healthline Policy, you can make a claim in two ways, depending upon the hospital that you visited for your treatment. Chola MS provides 24X7 phone and email assistance to its customers. So, whenever you need to get in touch with the company, you can do it at your convenience. The customer care executives will guide you through the claim procedure.

  1. Reimbursement Claims
    If you received treatment from a non-network work, you can raise a request for reimbursement. You would have to pay for the treatment cost from your own pocket. When you get discharged, remember to collect all the bills and receipts of the treatment expenses. You would have to submit the Claim Form along with all the required paperwork. Reimbursement Claims are settled within 30 days of receiving the last ‘required’ document. 

  2. Cashless Claims
    Cashless claims can be made only at a network hospital. A network hospital is a health care provider or a hospital that has a tie-up with the insurance company, TPA or jointly by both. It is recommended that you go through the list of network hospitals given on the official website of the company. These lists are updated from time-to-time, and thus you must check them regularly. 
    When you go to a network hospital, you can show your policy papers/ Health Card at the time of admission. If it is a planned hospitalisation, you must inform the insurance company at least 3 days in advance. Pre-authorisation for cashless claims is initiated within 24 hours of receipt of all required paperwork. However, in an emergency, you can inform the company within the initial 24 hours of hospitalisation and take care of all the formalities. 

Cholamandalam MS - Customer Care Details 

Cholamandalam MS Insurance provides the following ways of contacting the company for your queries or complaints.

Email ID 

SMS“CHOLA” to 56677* (premium SMS charges apply)
Toll-Free Number1800 208 5544
FAX Number1800 425 22 00
Company Address 

H.O: Dare House, 2nd floor, No 2 N.S.C. 

Bose Road, Chennai 600 001

Grievance Cell

Cholamandalam MS General Insurance Company Limited 

Manager, Grievance Cell,

Hari Nivas Towers First Floor,

#163, Thambu Chetty Street,

Parry's Corner, Chennai - 600 001


Cholamandalam MS Freedom Healthline Policy - Review

With the health and wellness services rising exponentially, buying health insurance is soon becoming a basic necessity for everyone. A hospitalisation policy, it covers various in-patient expenses, both pre and post hospitalisation expenses, day-care treatment and also AYUSH treatment.  

An all-inclusive plan, it would cover your family members all under one single plan.  The maximum age limit to purchase the plan is 65 years, but with lifelong renewal options, the plan can continue with you for life.

Chola MS promises smart health insurance solutions to your medical needs. If looking for an insurance plan that offers wide coverage, is affordable and enjoys a good reputation among customers, Cholamandalam MS Freedom Healthline Policy might be the answer to your queries. 

Frequently Asked Questions
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