Chola MS Health Insurance
  • 10k+ Cashless network hospitals
  • Organ donation cost
  • Hassle-free buying
Cholamandalam MS Health Insurance
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Chola MS Health Insurance

Cholamandalam Health Insurance provides a significant range of features and benefits to address the medical needs of its customers. The company has come up with 11 health plans that target all the health care requirements of policy buyers. Cholaandalam health insurance has a robust network of 10000+ network hospitals in PAN India catering to every need of their policyholders.

Chola MS General Insurance Company is a collaboration between Murugappa Group and Mitsui Sumitomo Insurance Company Limited, Japan. The company is recognized and awarded by the Indian government, international entities, and several rating agencies for its innovations in the insurance industry. Chola MS champions a brand philosophy called T3, which stands for Trust, Transparency, and Technology.

Why choose Chola MS Health Insurance?

To understand more about the company's performance, take a look at the below key features that will help you to analyze the company based on its performance:

  • Network Hospitals:
    The company has a tie-up with 10,000+ hospitals. These hospitals allow the policyholders to avail cashless treatments during a medical emergency.
  • Solvency Ratio:
    Cholamandalam Health Insurance has a Solvency Ratio of 1.95 as per the IRDAI annual report 2020-21. The solvency ratio helps the prospective policyholder assess the ability of a company to meet its financial obligations. As of now, IRDAI mandates maintaining a healthy solvency ratio of 1.50 for every insurer.
  • Claim Support (Claims Settled within 3 months):
    Claim support of an insurer helps you analyze its claims settling ability. As per the IRDAI annual report of 2020-21, the claim support of Cholamandalam Health Insurance is 92.94.
  • Annual Premium:
    As per the annual report of IRDAI 2020-21, the annual premium of Cholamandalam Health Insurance is 4,388.21 Cr.
  • PAN India Presence:
    With over 150+ branches in PAN India, Chola MS Health Insurance company ensures that the policyholder can directly visit their nearest branch office for any of their policy-related or claim-related queries.
Future Generali Insurance Key Features

Oriental Health Insurance Plans

To cater to the different needs of the customers, the company has come out with a wide range of health insurance plans. Take a look below.

Individual & Family Health Insurance Plans

Cholamandalam Health Flexi Health Plan

A plan where you can choose your sum insured, premium payment mode, and tenure under the policy. The product also covers you for alternate treatments besides allopathy.

Unique Features

  • Flexible Sum Insured
  • Avail Newborn Baby Coverage
  • Travel reimbursement

Cholamandalam Health Aarogya Sanjeevani

A plan that covers you and your family against the financial risks arising out of medical contingencies and offers the flexibility of paying in multiple frequencies.

Unique Features

  • No health Check-up
  • Avail discounts
  • Family cover

Chola Healthline Plan

An ideal option if you are looking for coverage for yourself, your spouse, and your children. The plan offers four smart health insurance solutions.

Unique Benefits

  • Lifelong renewal available
  • One-time premium payment
  • Maternity cover available

Specialized Health Plans

Cholamandalam Critical Healthline Plan

Chola MS Critical Healthline insurance covers all individuals who have been insured under the policy and are diagnosed as critically ill within the policy tenure.

Unique Benefits

  • Offers 2 variants
  • Protection against Cancer
  • Covers major organ transplant

Cholamandalam Super Top-Up Plan

The Chola Super Top Up insurance is a booster plan for your existing basic health insurance providing additional coverage in addition to SI.

Unique Features

  • Choose from 2 plan variants
  • AYUSH treatment available
  • Daycare treatment available

Chola Hospital Cash Helpline (Revision)

Chola Hospital Cash Healthline (Revision) offers a fixed amount to the insured in case of hospitalization, to be used by them according to their immediate needs.

Unique Features

  • ICU cover available
  • Hospital cash Benefit
  • X-ray and scan coverage

Cholamandalam Accident Protection Plan

Chola Accident protection policy offers financial assistance in an accident leading to disability/death.

Unique Features

  • Accidental Death Cover
  • Permanent Disability Cover
  • Hospital charges covered

Cholamandalam Corona Rakshak

Corona Rakshak is an Insurance Cover that provides a Lump sum benefit if the Insured is diagnosed with Novel CoronaVirus (Covid-19) during the policy period.

Unique Features

  • Avail up to 2.5L SI
  • Lump Sum benefit
  • Flexible Policy Tenure

Cholamandalam Corona Kavach

It is designed to address the basic health insurance needs of insuring the public related to COVID-19.

Unique Features

  • Up to 5L SI
  • No medical check-up
  • Avail discounts

Chola Vector Borne Disease

An affordable plan that reduces your financial burden in case of any illness due to vector-borne diseases like malaria, dengue, and chikungunya.

Unique Features

  • Life-long renewal
  • Coverage against Zika Virus
  • Traveling expense covered

Cholamandalam Sarv Shakti Plan

A special healthcare plan designed for women offering protection against cancer and 39 other illnesses.

Unique Features

  • Up to 2Cr SI
  • Children's education covered
  • Vehicle loan protection

Cholamandalam Health Insurance Buying Process

For buying a Cholamandalam Health Insurance policy, one has two options. Either they can purchase directly from the website or can buy from

Buy from the Company

  • Visit the official website of the company. Click on the 'Health Insurance' option on the menu bar
  • You will then be redirected to the Health Insurance page. On the top-right corner, click on the 'Get Quote'.
  • Enter all the required details and your health insurance premium amount will be displayed on the screen.
  • Once you pay the premium online, you will get all the policy documents at your registered email address.

Buy from PolicyX

  • Fill in the details in the 'Calculate Premium' form.
  • The next page will show all the available plans.
  • Choose the Cholamandalam health plan and click on 'Buy Now'.
  • Pay the premium and your policy document will be shared with you on your registered email id.

Why Buy from

With so many buying options available in the market, one must think about why he/she needs to choose Well, we are here to answer.

  • IRDAI Approved: The Insurance Regulatory Development Authority of India (IRDAI) is a regulatory body created to protect the policyholder's interest. follows all the guidelines and protocols approved by the IRDAI.
  • Free Comparison Service: With, you can easily compare the best Health Plans in India without paying any extra amount.
  • Compare 15 Companies in 30 Seconds: With us, you can compare up to 15 companies in just a few seconds.
  • Buy Insurance Within 5 Minutes:With, you can buy your policy online without any hassles. We offer an easy 4-step online buying process that allows you to buy your policy without any trouble.
  • 24*7 Customer Service: The experts of are always available to resolve any of your insurance-related queries
  • Free Future Claim Assistance: Our team will assist you at every step of your claim process. Be it claim intimation, documentation, or any other process, we are always there to help.

Cholamandalam Health Insurance Claim Process

Cholamandalam Health Insurance company offers an easy and convenient claims settlement process. The policyholder can either choose cashless claims or can opt for reimbursement claims:

Cashless Claim Process

  • Check the list of network hospitals from Cholamandalam's website. At the network hospital, show the cashless card of Cholamandalam Capital Health Insurance and valid ID proof like a Passport, PAN Card, Voting card, etc.
  • After the identification is done, the network hospital will send the cashless hospitalization request form to Cholamandalam. (For planned hospitalization, the form needs to be submitted 3 days in advance. For emergency cases, it needs to be submitted within 48 hours after hospitalization).
  • Cholamandalam will review the form. After completion of the formalities, the decision will be forwarded to you through SMS and E-mail.
  • Once done, the payment will be made to the network hospital.

Reimbursement Claim Process

If you are admitted to a non-network hospital, you have to pay the hospital directly after the treatment is done.

  • To file a claim, submit the following documents to Cholamandalam within 15 days of discharge:
    • Claim form (Part A & B)
    • Health card
    • KYC documents
    • Original discharge summary
    • Hospital bills
    • The invoice with payment receipt
    • All consultation papers
    • Others
  • After reviewing the documents, Cholamandalam will take the appropriate decision and if approved, the amount will be reimbursed through NEFT to the registered bank account.
  • Note- You need to inform the company within 48 hours (in case of emergency hospitalization) and 3 days before your admission (for planned hospitalization).

How to Renew a Cholamandalam Health Insurance Policy?

Cholamandalam Health Insurance policy allows the customer to renew their policy online. Follow the below steps to renew your Cholamandalam Health Insurance Plans:

  • Visit the official website of Cholamandalam Health Insurance. On the top right, click on the 'Renew Chola MS Policy' option.
  • On the next page, fill up your policy number, prosper's date of birth or mobile number.
  • Click on Proceed
  • Pay the premium online, and your Cholamandalam health insurance renewal details will be mailed to your registered email address.

How To Contact Cholamandalam Health Insurance

Cholamandalam health insurance customer care is 24*7 available to look after your queries. To get in touch with Cholamandalam health insurance customer care, opt for the below methods:

No. 39, Second Floor, Samyak Tower,Opp. Metro Pillar No. 120,Pusa Road, New Delhi - 110 005

1800-2085-544 / Whatsapp No. 7305234433

Health Insurance Articles

Cholamandalam MS Health Insurance: FAQs

1. What is the waiting period for Chola MS Critical Healthline Insurance?

The plan offers a waiting period of 90 days.

2. Can I cancel my health insurance policy?

Yes, Cholamandalam MS Insurance allows its customers to cancel their policy. The company ceases the cover from the date of cancellation of the policy. The premium amount is refunded for the cancellation done in a short period. For more details, refer to the specific plan brochure.

3. Am I eligible to get a free medical checkup if I do not make any claim during a policy year?

No, free health checkup is available once after every two claim free renewals.

4. Can non-Indian citizens living in India buy health insurance from Cholamandalam?

Yes, the company allows foreigners living in India to buy health insurance policies. However, the coverage is restricted to ailments/accidents within India and hospitalization happens within India.

5. How can I know the status of my claim request?

Customers can log in at the e-card portal available at the company's website in order to track the status of their claim.

6. Does Chola MS COVID-19 Health Insurance require pre-policy health check-ups?

Under this plan, no pre-policy medical check-up is applicable.

7. Is there any particular Chola MS health plan for children?

No, there is no particular Chola MS health plan for children but they can be covered under various health plans of Chola MS with their parents.

8. Is there a family floater health insurance policy offer from Chola MS Group Health Insurance?

Yes. Chola MS Group Health Insurance offers family-floater health insurance plans. Chola Healthline is a popular family health insurance plan offered by the company.

9. Can I check the policy status of the Cholamandalam Mediclaim policy?

Yes, you can check the policy status by login into the official website.

10. How are Chola MS health insurance premiums decided?

The following criteria are used to determine the premium amount for the Cholamandalam mediclaim policy:

  • Gender
  • Age
  • Sum Insured amount

11. What is the renewal process for the Cholamandalam health insurance policy?

Policyholders can renew their policy via an online or offline medium. For offline medium, visit the nearest branch of the company and submit the renewal form along with the cheque of the premium amount.

For the online renewal process:

  • Visit the official website of the company.
  • Log in with your Login ID and password.
  • Pay your premium amount.

12. Can Cholamandalam health insurance offers coverage for dependent siblings?

Some Cholamandalam health insurance plans cover dependent siblings. Check the terms and conditions of the plan If you want to cover your siblings under the policy.

Cholamandalam MS Health Insurance Reviews

Read what our customers have to say about Cholamandalam MS Health Insurance Company

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Akhil Dev


June 6, 2022

Good company. The company supports you financially at the time of medical emergency and offers great and satisfactory services to its customers.

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Darshan Pal


October 19, 2021

It was nice to see very diligent agent who helped me buy plan from cholamandalam...i think she got me a pretty good deal wih many benefits

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Siddhant Kapoor


October 13, 2021

just renewed my health plan with the some decent discounts for loyalty program! All in all it s been a good, hassle free equation!

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Vivek Dhaiya


October 11, 2021

It is indeed a 5-star company. I am happy with the products available and the services that the customer-care support team provides.

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Akshay Dewan


October 8, 2021

Really nice how they have thoughtfully curated their product range...i m pretty sure i have done the right thing getting my Health insurance from here :)

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Savitri Devi


October 7, 2021

their reputation stands true for itslef! such quick service by the more than impressed! Keep rising ...good luck and thanks again!

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Tanay Charkravarty


September 9, 2021

i had to settle claims for the hospitalization was very expensive but Chola mandalam covered a large portion and helped me a lot :))) Thx guys

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Naina Desai


September 9, 2021

Chola plans se I got kaafi cheaper deals...i did thorough comparison and got a health plan mere parents ke liye

View All Cholamandalam MS Health Insurance Reviews