Cholamandalam Health Insurance

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About Cholamandalam General Insurance

Cholamandalam MS General Insurance Company is a collaboration between Murugappa Group and Mitsui Sumitomo Insurance Company Limited, Japan. The company is recognised and awarded by the Indian government, international entities, and several rating agencies for its innovations in the insurance industry.Cholamandalam Health Insurance provides a significant range of features and benefits to address the medical needs of its customers. The company has come with 8 health plans, which successfully target all the health care requirements of Indian policy buyers.

Highlights of Cholamandalam General Insurance

Branches Across India




Claims Settled Per Year


**Last Updated on 04-02-2021

Cholamandalam Health Insurance Highlights

What Are the Types of Chola MS Health Insurance Plans?

1. Chola Healthline Insurance

Chola Healthline is a complete health insurance policy that covers all types of expenses at the time of hospitalisation. The plan is divided into four variants to offer maximum benefits to the insured. Let's take a look at their features.

A. Value Healthline Insurance

  • The plan offers coverage up to Rs.10 lakhs.
  • Provision of cover for pre and post-hospitalisation (up to 30 and 60 days respectively).
  • Ayurveda, Unani, Siddha, and Homoeopathy treatment expenses are covered.

B. Freedom Healthline Insurance

  • The plan offers coverage up to Rs.15 lakhs.
  • Pre-hospitalisation and post-hospitalisation expenses are covered (up to 60 and 90 days).
  • Emergency ambulance charges (up to Rs.2000) are covered under the policy.

C. Enrich Healthline Insurance

  • The plan offers coverage up to Rs.25 Lakhs.
  • The organ donor hospitalisation expenses are covered.
  • In-patient hospitalisation and daycare treatment expenses are also covered.

D. Privilege Healthline Insurance

  • The plan provides coverage up to Rs.25 lakhs.
  • Ambulance cover (up to Rs.5000) is granted by the plan.
  • Provision of maternity expenses (up to Rs. 1 lakh per delivery) is given under the plan.

2. Chola MS Critical Healthline Insurance

Chola MS Critical Healthline Insurance offers the necessary aid to the insured to fight the treatment expenses of the listed critical illnesses. The plan offers two variants: Standard and Advanced. The standard plan covers 10 listed critical illnesses, whereas the advanced plan covers 12 listed illnesses.


  • The policy covers self, spouse, and up to 3 children.
  • No pre-policy medical test is required up to 55 years of age.
  • Tax benefits (up to Rs. 25,000) for the premiums paid under the policy.
  • There is a waiting period of 90 days from the date of commencement.


Age at Entry

Self / Spouse: 18-65 Years

Up to 3 Children: 5-65 Years

Sum Insured

Rs. 3 Lakhs/Rs. 5 Lakhs/ Rs. 10 Lakhs

**Last Updated on 04-02-2021

3. Chola Super Top Up Insurance

Chola Super Top Up Insurance offers additional protection by providing coverage to fulfill the medical expenses on an individual or floating sum insured basis.


  • You can choose between two plan variants- Premier and Supreme.
  • The plan takes care of pre and post hospitalisation expenses (60 and 90 days).
  • No pre-medical check-up is necessary up to 55 years of age.


Entry Age

3 months to 70 years

Long Term Policy

Up to 3 years at inception

**Last Updated on 04-02-2021

4. Chola Hospital Cash Healthline

The Chola Hospital Cash Healthline insurance provides daily cash for every completed 24 hours of hospitalisation to take care of miscellaneous expenses during hospitalization.


  • It is available in 6 flexible variants (Plan A, B, C, D, E, and F). The policyholder has the freedom to choose the right variant to match his/her needs.
  • Plan A, B, C provides hospital cash for 20 days in a policy year while Plan D, E, F provides hospital cash for 25 days in a policy year.
  • A discount of 10% is offered for covering more than 2 members under the plan.
  • You can choose between three options for per day cash benefit- Rs.1000, 2000, and 3000.


Entry Age

Adults: 18 to 65 years

Policy Period

1/2/3 years

**Last Updated on 04-02-2021

5. Chola Personal Accident Insurance

Chola Personal Accident is a tailor-made plan that provides financial protection to the insured and his/her family against unfortunate events like death, physical injuries, disabilities, or any bodily damages caused due to an accident.


  • Any person between 18 to 69 years can buy the policy. Dependent children up to 25 years can be covered in the policy under the family option.
  • Weekly compensation is given by the plan in case of a disability caused by an accident.
  • Tuition fees compensation will be allotted in case the insured is unable to go to school or college as a result of an accidental injury.
  • In the event of accidental death or total permanent disablement of the insured, the transportation expenses of a family member to the location of the insured will be paid by the policy.

6. Chola Flexi Health Insurance

Chola Flexi Health Insurance offers cost-effective methods that financially protects you and your family against unexpected health issues. With a bucket full of benefits, you can say bye-bye to your health treatment worries.


  • Policyholders can avail of reimbursement (up to Rs.25000) for obtaining a specialist medical opinion.
  • The plan comes with a waiting period of 36 months for pre-existing conditions.
  • Pre and post-hospitalisation expenses (up to 30 and 60 days) are paid off by the policy.
  • Once in every two claim-free years, you can avail of a free health check-up.


Sum Insured

Rs. 1/ 2 / 3 / 5 / 7.5 / 10 / 15 / 20 / 25 Lakhs

Lifelong Renewability


**Last Updated on 04-02-2021

7. Chola Arogya Sanjeevani

It's standard health insurance that offers financial protection against unforeseen medical contingencies. The plan allows the policyholder to choose the sum insured and premium payment options as per his/her needs and requirements.


  • The plan is available on an individual and family floater basis.
  • Ambulance expenses (up to Rs.2000 per hospitalisation) are taken care of by the policy.
  • Get a 10% discount on covering more than 7 family members.
  • The plan covers all daycare treatment expenses.

8. Chola MS COVID-19 Health Insurance

Chola MS COVID-19 health insurance is a specialized cover that provides financial protection in case the insured is diagnosed with the virus. It offers a lump sum benefit to meet the treatment expenses.


  • You can cover your family (spouse, up to 2 dependent children, and parents) under the plan.
  • The plan offers a daily cash benefit for every 24 hours of quarantine/hospitalisation.
  • No health checkup is required to buy this policy.


Entry Age

Adults: 18 years to 65 years

Policy Period

1 year

**Last Updated on 04-02-2021

How To Purchase Cholamandalam Health Insurance Plans?

Chola MS has designed an excellent and convenient way to purchase health insurance from its official website. Let's check out its process.

  • Open the website of Chola MS General Insurance and click on the 'Health' icon present on the left side of the page.
  • You will see the 'Buy' option. Tap on 'Get Quote' to proceed with the purchase.
  • Choose the plan you want to buy, and click on the 'Buy Now' option.
  • Enter the mandatory details and tap on the 'Proceed' option.
  • The company will call you to process your application further.

You can also buy the Chola MS health insurance offline. Just visit the nearest Chola MS branch office for the same.

What Is the Claim Process of Cholamandalam Health Insurance Plans?

Chola MS General Insurance company offers two ways to file a claim for its health policies:

Cashless Claim:

  • In this case, the policyholder does not have to pay the bill if (s)he is admitted to a network hospital associated with Chola MS.
  • Just report at the TPA desk of the hospital along with the Chola MS Health Card, a Photo ID card, and reports. You will be required to complete the pre-authorisation form.
  • The letter will be sent to the claim management team of the company for authorisation and they will verify the details.
  • If the verification is successful, the company will settle the treatment bills with the hospital.

Reimbursement Claim:

  • The policyholder has to pay the bills and contact Chola MS.
  • Submit all the required documents (including claim form) to the company.
  • Verification will be done by the company as per the norms of the policy.
  • If everything is in order, Chola MS will transfer the amount to the registered bank account.

How To Renew Cholamandalam Health Insurance Plans?

Chola MS offers a quick renewal process to its customers. Let's take a look at it.

  • Visit the official website of Chola MS General Insurance.
  • Click on 'Health' on the left side of the screen.
  • Choose the 'Renew' option, provide the policy number, and click 'Proceed'.
  • Fill in the required information and make the premium payment.
  • Bingo! Your policy renewal process is successful.

How To Contact Cholamandalam MS General Insurance?

Contact Address:

New No. 2, Old No. 234, Dare House, II Floor, N. S. C. Bose Road, Parrys.

Chennai-HO - 600 001, Tamil Nadu, India

Customer Care Service:

1800-208-5544 (Toll Free, India),

+91 44 6166 3400 (Agents/Intermediaries)


Send Message: SMS 'CHOLA' to 56677 (*Premium SMS charges may apply)


1. 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.

2. What is the waiting period of Chola MS Critical Healthline Insurance?

The plan offers a waiting period of 90 days.

3. Does Chola MS COVID-19 Health Insurance require pre-policy health check-up?

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

4. What documents are required for processing the Chola MS health insurance claim?

  • Claim form (duly filled and signed)
  • Prescription of a doctor advising the admission
  • Discharge card issued by the hospital
  • Final hospital bill (in original) and payment receipt
  • Medical investigation reports
  • Medicine bills with the supporting prescriptions
  • Invoice/sticker for implants (if used in the surgery)
  • Other bills or documents related to the treatment
  • Medico Legal Certificate (MLC) / FIR in case of road traffic accidents (RTA)
  • Cancelled Cheque of the insured bank account to make the claim payment through NEF
  • Others requested by the company

5. What Is Excluded Under Cholamandalam Health Insurance Plans?

  • Any pre-existing diseases.
  • Vaccination or inoculation unless forming a part of post-animal bite treatment.
  • Any type of suicidal attempt or intentional attempt to harm or injure self in senses or in an insane condition.
  • Any coverage against expenses that are caused due to a terrorist or nuclear attack.
  • Any injury that is caused while playing a harmful or adventurous sport.
  • Weight control programs.
  • Therapies and surgeries like cosmetic surgeries, dental surgeries, and plastic surgeries.

6. 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.

Page updated on 04-02-2021