| Benefits | Chola MS(Health Line) | Easy Health | Optima Restore |
| Plans | Value Healthline/Freedom Healthline/Enrich Healthline/Privilege Healthline | 3 Plans available | 5 Plans available |
| Sum Insured (in Lakhs) | Value Healthline-1/2/3/5/7.5/10 Freedom Healthline-2/3/5/7.5/10/15 Enrich Healthline-3/5/7.5/10/15/20/25 Privilege Healthline-5/7.5/10/15/20/25 |
1 to 50 lacs | 1 to 50 lacs |
| Policy Type | Individual / Family Floater | ||
| Entry age | The policy covers dependent children of up to 26 years and adults from 18-65 years | ||
| Policy Term | 1, 2, and 3 years | 1, 2 years | 1, 2 years |
| Relationship members covered under one policy | Self and Spouse, Dependent Children, Parents, Parents-in-law, and Siblings who is financially dependent on the Primary Insured or proposer and does not have his / her independent sources of income. | 6 members | 6 members |
| Inpatient Treatment | Covered | Covered | Covered |
| Day Care Procedures | Covered | Covered | Covered |
| Pre-Hospitalisation | Value Healthline-30 Freedom Healthline-60 Enrich Healthline-60 Privilege Healthline-60 |
Covered | Covered |
| Post-Hospitalisation | Value Healthline-60 Freedom Healthline-90 Enrich Healthline-90 Privilege Healthline-90 |
Covered | Covered |
| Domiciliary Treatment | Max 7 days | Covered | Covered |
| Organ Donor | Covered | Covered | Covered |
| Ambulance | Value Healthline-1000 Freedom Healthline-2000 Enrich Healthline-2000 Privilege Healthline-5000 |
Covered | Covered |
| Dental Treatment in case of Accidents | NA | Covered | |
| AYUSH Benefit | Covered | Covered | Not covered |
| Daily Cash for accompanying an Insured child | NA | Covered | Not covered |
| Vaccination (in case of Post Bite Treatment) | NA | Not covered | Covered |
| Out-Patient Treatment Cover after waiting period of 3 years | Covered | Not covered | |
| a) Out-patient Consultation | |||
| b) Diagnostic Tests | |||
| c) Dental Treatment | |||
| d)Spectacles, Contact Lens, Hearing Aids | |||
| Convalescence Benefit | NA | Not covered | |
| Maternity Expenses | (Upto 2 deliveries , after 3 consecutive renewals) Only for privilege healthline-Upto Rs 1 Lakh Per delivery |
Covered | Not covered |
| New Born Baby cover | Only for privilege healthline-Covered upto Sum Insured of Mother / Floater Sum Insured | Covered | Not covered |
| Restore Benefit | NA | Not covered | Covered |
| Cover for People Suffering from HIV | NA | Not covered | Not covered |
| Cumulative Bonus | Value Healthline-5% of Sum Insured every claim free year subject to maximum of 25% of Sum Insured Freedom Healthline-5% of Sum Insured every claim free year subject to maximum of 50% of Sum Insured Enrich Healthline-50% of Sum Insured every claim free year subject to maximum of 100% of Sum Insured Privilege Healthline-5% of Sum Insured every claim free year subject to maximum of 50% of Sum Insured **Reduction in Cumulative bonus: 50 % of SI |
Covered | Covered |
| Health Check-up Coupon | Value Healthline-NO Freedom Healthline-Once after 3 claim free years Enrich Healthline-Once after 2 claim free years Privilege Healthline-Once after 2 claim free years |
Covered | Covered |
| Dial a Doctor | NA | Not covered | Not covered |
| Health Educational Library for People(HELP) | NA | Not covered | Not covered |
| Second Option | NA | Not covered | Not covered |
| Specialist Consultation with Two follow up session | Specialist Opinion for Critical illness for privileged plan for maxi amount 25000/- | Not covered | Not covered |
| Wellness Package | NA | Not covered | Not covered |
| Newsletter | NA | Not covered | Not covered |
| Personal Accident | NA | Not covered | Not covered |
| Critical Illness | NA | Covered | Covered |
| Hospital Daily Cash | NA | Not covered | Not covered |
| Sub limits Applicability | NA | Not covered | Not covered |
| Treatment only in tiered Network | NA | Not covered | Not covered |
| Family Discounts on Indicidual Sum Insured Basis | NA | yes | yes |
| Long Term Discount | Discount on long term policy purchase: 6% on 2 year policy & 12% on 3 year policy | yes | yes |
| Pre-existing diseases | 48 months | ||
| Specified Diseases | 24 months | ||
| Other benefits | Double Sum Insured – if the Sum Insured is exhausted or not sufficient for hospitalization due to CI / Hospitalization Extended Hospitalisation Allowance(Minimum 10 days Hospitalization)Enrich Healthline-10000, Privilege Healthline-10000 |
Stay Active Feature | Stay Active fature |
