Cholamandalam health insurance for senior citizen

Talking about health insurance for senior citizens, nothing can be compared with the services provided by Cholamandalam health insurance for senior citizens. The excellent customer services along with the wonderful benefits make Cholamandalam senior citizen health Insurance Plan

About Senior Citizen Health Insurance

Senior citizens are now more vulnerable than ever due to the COVID-19 pandemic. Due to the growing medical issues that older people are experiencing, you are constantly concerned about the health of your parents and grandparents. The ongoing physiological changes in older people’s bodies present challenges and necessitate special attention to their immunity, bones, joints, and muscles. Even you can’t constantly be there to check on them because they can’t take care of themselves completely. Therefore, we must provide them with opportunities to promote good aging.

As you age, your fragility and illnesses worsen, resulting in more frequent hospital stays and additional costs for medical treatment. Most families are unable to cover all of these costs on their own. Therefore it is crucial for them to select a suitable health plan that lessens their financial burden. It can be challenging to choose a good health insurance plan for the elderly people you care about. When making this choice, it is essential to consider the range of diseases covered, the standard of medical care, and the financial burden of medical bills.

What is a Health Insurance for Senior Citizens?

Numerous diseases that are expensive to treat and care for come with old age. Numerous insurance firms offer health insurance for Senior Citizens, specifically for persons 65 years of age and above. Any type of medical costs made by clients are easily covered by these health insurance plans.

Our physical and mental concern over money and being able to afford quality healthcare increases as we age. In times of need, those over 60 can receive financial assistance for medical care through a senior citizen health insurance plan. Plans for senior citizens’ health insurance include pre-existing sickness coverage, cashless hospitalisation, critical illness coverage, and a greater assured amount.

Growing older increases the likelihood of developing illnesses and diseases. Having a medical insurance plan to cover any unexpected medical expenses is a smart option because an individual’s latter years are both physically and financially more difficult.

Key features of Senior Citizen’s Health Insurance

The following are some of the most important characteristics of senior citizen health insurance plans in India:

  • Coverage for hospitalisation includes room and board costs

  • Payment-Free Hospitalization

  • Costs associated with daycare that result from technological improvements

  • The costs of ambulances are covered.

  • Depending on the insurance company, pre-existing conditions are covered.

  • Before obtaining medical insurance, no medical examination is necessary. Based on the insurance company

  • Higher insurance coverage limits

  • coverage for existing diseases

  • quicker and easier settlement

Why Should You Get A Health Plan?

Growing older increases the likelihood of developing illnesses and diseases. Having a medical insurance plan to cover unexpected medical expenses is a wise step because an individual’s latter years are physically and financially more difficult. Seniors are more susceptible to illness, and due to age-related ailments and deteriorating health, they may need to visit hospitals frequently. It’s crucial to have health insurance to pay for the high expense of medical care. You can get Mediclaim Cholamandalam Health Insurance For Senior Citizens, which can support you while you’re in the hospital.

Additionally, the cost of receiving medical care without insurance may occasionally weigh heavily on your shoulders, so you should purchase insurance and be ready for everything. Having health insurance gives elderly people a feeling of financial security and, as a result, peace of mind. Having health insurance for elderly family members is so essential and vital.

Advantages of Health Insurance for Senior Citizens

The advantages of enrolling your parents in a senior health insurance programme are as follows:

  • Tax break for paying for health insurance

  • Take advantage of medical services and facilities at a variety of hospitals across the country. No-cash benefits and daily allowance (depends on insurer)

  • Option to renew an insurance

  • Hospitalization coverage at home

  • Embrace the free-look period

  • annually schedule health examinations

  • Reload of insured amount

Things to keep in mind before purchasing health insurance for senior citizens

Selecting a health plan can be more complex than you might think. Senior citizen health plans have unique difficulties, including increased premiums, rigorous medical examinations, co-payments, and waiting periods. As a result, it is crucial to consider a few factors when purchasing senior health insurance. Here are a few of these things to consider.

  • Age for Entry and Exit: An essential factor to take into account is the minimum and maximum renewability ages. Most health insurance policies require applicants to qualify between the ages of 60 and 80, while in rare circumstances, the range may be different. Pick policies with lenient age limitations.

  • Maximum Age of Renewal: A policy’s maximum age of renewal may be capped in some cases. Opt for plans that can be perpetually renewed.

  • Coverage: Senior citizen policies can often become pricey if you want extensive coverage. As a result, constantly weigh costs and benefits when comparing plans and choose accordingly.

  • Waiting Times: The shorter the waiting period, the better, especially for senior persons who are more susceptible to age-related illnesses.

  • Critical Illness Cover: Policies can be compared based on the specific illnesses covered, depending on the individual need.

  • Domiciliary Hospitalization & Hospital Network: It’s critical to utilize the features of your insurance policy when you need them to get the most out of it. It’s crucial to pick a plan with the advantages of in-home hospitalization and more extensive hospital networks if you want to be able to use cashless benefits at any moment during the policy duration.

Senior persons are affected by medical emergencies in the same ways that children and adults are. Being a conscientious health insurer, Chola MS extends coverage to seniors who require financial security at a critical juncture in life. When acquired on an individual basis, the policy also enables coverage for siblings, in-laws, and parents. Chola Healthline Insurance is a great senior citizen health insurance that you can rely on without worrying about the budget. It comes in four different forms: Value, Freedom, Enrich, and Privilege. In general, it is a better option for the elderly to step up their health protection. Insured twice as much against critical sickness and accidents (Enrich & Privilege variants). Maximum 7 days of inpatient care at home per insured person and per insurance year.


  • Four variations of this strategy exist: Healthline Value, Healthline Freedom, Healthline Enrichment, and Healthline Privilege
  • Health Value Plan : Except for the Value Healthline plan, none of the other plans cover health check-up plans.

  • Privilege Health Plan: The Privilege Healthline plan is the only one that covers maternity, newborn baby expenses, dental, eye, and ear-related issues. This policy covers hospitalisation costs, other treatment fees, daycare, pre- and post-hospitalization costs, domiciliary costs during one policy year for seven days, AYUSH treatments, organ expenses, and ambulance costs.

  • Healthline freedom Plan: Costs associated with child hospitalisation are exclusively covered under the Enrich Healthline plan.

  • Enrich and Privilege plan: The Enrich and Privilege plans give a twofold insured benefit in addition to additional/extended hospitalisation coverage.

    Every plan provides a cumulative bonus.

Cholamandalam Health Insurance for senior citizens

Cholamandalam Health Insurance is the area of strength between Murugappa Group and Mitsui Sumitomo Insurance Group of Japan. Chola MS offers a broad exhibit of items, including designing, wellbeing, mishap, marine, engine, obligation, travel, property, and country protection for people and corporates.

The Healthline is an extensive family inclusion appropriate for youthful and developing families. Broad and flexible, this clinical insurance plan permits cover for a progression of wellbeing requests covering ayurvedic medicines, maternity, dental, and eye care past standard covers given by an ordinary mediclaim contract. It incorporates you, your life partner, and your kids with a Floater Sum Insured that permits any relative to guarantee up as far as possible.

Health care coverage by Cholamandalam is exceptionally famous among their client base because of their elevated degree of consumer loyalty through streamlined functional cycles and inventive vision. Cholamandalam likewise offers a range of health care coverage strategies.

Key Benefits

Given underneath are the vital advantages of Cholmandalam Health Insurance for senior residents:

  • Aggregate guaranteed choices going from Rs 3 lakh to Rs 10 lakh

  • Inclusion is accessible on a singular premise

  • No pre-strategy clinical examination as long as 55 years

  • Credit only treatment at in excess of 9500 organization clinics

  • Free wellbeing examination after every two cases for free years

  • 5% summarize safeguarded to half for each guarantee free year

  • Charge exceptions under the sec 80D of the Income Tax Act, 1961

Duration of Coverage

  • Hospitalisation while a patient

  • Hospitalisation expenses before and after

  • 141 daycare procedures are mentioned and covered

  • Expenses for emergency ambulances per hospitalisation

  • Extended hospitalisation allowance of Rs. 10,000 (minimum 10 days)

  • Insured twice as much against critical sickness and accidents (Enrich & Privilege variants)

  • Maximum 7 days of inpatient care at home per insured person and per insurance year

Cholamandalam Health Insurance plans for senior citizens

Cholamandalam Health Insurance Plans for Senior CitizensSum Insured (Rs)Co-Payment
Chola Standard Individual Healthline Insurance PlanRs 3 lakh
Rs 4 lakh
Rs 5 lakh
Chola Superior Individual Healthline Insurance PlanRs 3.5 lakh
Rs 4.5 lakh
Rs 5.5 lakh
Chola Advanced Individual Healthline Insurance PlanRs 4.5 lakh
Rs 5.5 lakh
Rs 7.5 lakh
Rs 10 lakh

Extra co-installment of 20% applies to individuals over 70 years old

Eligibility Criteria

Investigate the qualification models for old guardians to purchase the Cholamandalam Health Insurance plan for senior residents:

CategoriesEligibility Criteria
Minimum Entry Age18 years
Maximum Entry Age65 years


Cholamandalam Health Insurance for senior residents incorporates the accompanying covers:

  • In-patient Hospitalization Expenses

  • Crisis Ambulance

  • Pre-hospitalization Expenses

  • Post-Hospitalization Expenses

  • Home Hospitalization

  • Day Care Procedures

  • Ayurvedic Therapy Treatments

  • OPD Dental Cover

  • Outer Aids Cover

  • Day-to-day Cash for Choosing Shared Accommodation

  • Maternity Expenses

  • Minor Accompaniment Daily Cash


The accompanying inclusion is prohibited under Cholamandalam Health Insurance plans for senior residents:

  • Allopathic medicines

  • Stoutness/weight control strategies

  • Cost of dietary enhancements and substances without a remedy

  • Plastic medical procedure/corrective medical procedure

  • Treatment for liquor or illicit drug use

  • Doubtful treatment


  • Check the ratio of claims that are settled.

  • Set the coverage amount in accordance with your medical needs.

  • Examine the policy manual.

Documents Required 

  • Documentation Needed to Buy Chola MS Health Insurance

  • ID and address verification

  • if requested, medical certifications


Q1. Where can I find the premium chart of Cholmandalam Health Insurance for senior citizens?

Ans – 1. On the website of the insurance provider, you can see the Chola Individual Healthline plan’s premium schedule.

2. You may also calculate the cost of your health insurance by visitng other policy calculator websites

Q2. Do Cholmandalam Health Insurance plans for senior citizens come with any waiting periods?

Ans Yes. Under the Chola Individual Healthline plan, seniors must abide to the following waiting periods:

● Existing Conditions waiting time of four years
● 30 days are the initial waiting period.
● Particular Illnesses Waiting Time: 1 or 2 Years
● Waiting Period for OPD Dental Coverage: 3 Years
● Waiting Period for External Aids Coverage: 3 years

Q3. Are there any sub-limits under Cholamandalam Health Insurance for senior citizens?

Ans – Yes. Sub-limits for several covers are included in the Chola Individual Healthline plan.