Chola MS Health Insurance
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Cholamandalam MS Health Insurance
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Cholamandalam Health Insurance

Cholamandalam 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.

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 8 health plans, that target all the health care requirements of policy buyers. Cholaandalam health insurance has 90+ branches with more than 7,000 agents across PAN India.

Achievements of Cholamandalam Health Insurance

Cholamandalam health insurance has received several awards and achievements over the past few years. Take a look at some of the recent achievements of the company.

  • Best Brands Award by The Economic Times in 2020.
  • 'Golden Peacock Award 2017' for risk management by 'Institute of Directors'
  • 'Pride of Tamil Nadu Award' for General Insurance Category.
  • Named as 'Dream Companies to work for' in Private Insurance Sector 2017 by Times Ascent
  • 'Best CSR Award' for the company's continuous contribution to CSR services.
Cholamandalam Health Insurance

Key Features of Cholamandalam Health Insurance

As per IRDAI's report of 2019-20, there are 29 Health Insurance companies in India. With a plethora of insurance providers available in the market, selecting an ideal insurer and plan often becomes a challenging task. So, to make this selection process simpler for the customers and give an insight into the company's performance, we've listed below the key features of this company. These key features will provide a detailed overview of the company's performance and will help the customers in making an informed decision.

Network Hospitals7240+
Solvency Ratio1.56
Claim Support (within 3 months)91.47%
Annual Gross Premium 2019-20316.99 Crores

Given below is a brief explanation of the features of Cholamandalam health insurance. Let's understand.

1 Network Hospitals

To make sure that your insurance policy provides you with proper protection, it is very important to consider buying a policy from an insurer that offers the benefit of cashless hospitalization. This is because cashless hospitalization is a very useful feature that allows policyholders to get their treatment done in any of the network hospitals as listed by the insurer. The customer does not have to worry about the hospital bills as the insurance company takes care of them.

Cholamandalam insurance company offers cashless hospitalization benefits and has partnerships with more than 7240 network hospitals across India that allow customers to enjoy hassle-free cashless hospitalization.

For more clarification, refer to the chart below that highlights Cholamandalam Company's network hospitals list and shows its comparison with other insurers.

Graph Illustrating the Network Hospitals of Top Health Insurance Companies

Network Hospitals of Cholamandalam Company

**Data from IRDAI Annual Reports

2 Annual Premium

Before buying an insurance policy, it is suggested that a customer should check the business reputation and market performance of his insurance provider. As per IRDAI records of 2019-20, the company had an annual premium of Rs. 316.99 crores.

Let's refer to the chart given below to track Cholamandalam's performance in annual premium from 2016-17 to 2019-20.

Annual Premium of Cholamandalam MS Insurance Company

Annual Premium of Cholamandalam company

**Data from IRDAI Annual Reports

3 Claim Support

An ideal insurer is always available to assist its customer during his/her difficult times. So while selecting an ideal insurance company, customers should always check the history of claims settled by that company. One should always opt for a company that has a quick and easy claim process as well as a good claim support ratio. The claim support ratio is a useful parameter that shows the number of claims settled by the company during the last three months so that a customer can analyze the company's claim settling ability.

In the case of Cholamandalam, the company has an average claim support ratio of 91.47%. Lets have a look at the chart given below that shows a comparison between the claim support ratio of Cholamandalam and other insurers.

Top 10 Insurance companies (based on Claim Support Ratio)

Claim Support Ratio of Cholamandalam Company

**Data from IRDAI Annual Reports

4 Solvency Ratio

Apart from claim support and market reputation, the Solvency Ratio is another important thing that should be considered while buying a health insurance policy Not only it helps in measuring the ability of the company to meet its long-term debt obligations,but also helps you to understand the background of the insurance provider. As per IRDAI, all insurance companies in India are obliged to maintain a minimum solvency ratio of 1.5, and Cholamandalam MS Insurance company has been able to match this criterion. At present, the solvency ratio of the company is 1.56.

For more details, refer to this graph given below that shows the solvency ratio record of Cholamandalam for the last 4 years.

Solvency Ratio of Cholamandalam Health Insurance Company from 2016-17 to 2019-20

Solvency Ratio of Cholamandalam

**Data from IRDAI Annual Reports

Why choose Chola MS Health Insurance?

Chola MS health insurance offers a wide range of benefits to its customers. Here are just a few of them:

  • 24x7 Customer service: Chola MS health insurance offers 24x7 customer care support to its customers, policyholders can contact Chola health insurance through call, e-mail, and online chat system.
  • Cashless Hospitalization: Chola health insurance has more than 9000 network hospitals across pan India. It means you can get cashless high-quality treatment in any of these network hospitals.
  • Coverage for critical illnesses: Cholamandalam mediclaim covers nearly 20critical illnesses under their plans.
  • Quick and Hassle-free Claim process: Chola MS group health insurance offers a simple and quick claim settlement process for its customers.
  • Coverage Benefits: Cholamandalam mediclaim insurance offers various coverage benefits under its plans such as more than 530 daycare treatments, hospital daily cash, domiciliary hospitalization, etc.

Types of Health Insurance Plans by Cholamandalam

  1. Chola Healthline Insurance

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

    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).
    • Emergency ambulance charges (up to Rs. 1000) are covered under the policy.
    • Ayurveda, Unani, Siddha, and Homoeopathy treatment expenses are covered.

    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.

    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.

    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 helps 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.

    Key Features

    • 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.
    • Customers opting for the advanced variant of this plan can avail the benefit of emergency ambulance cover up to Rs 1000.

    Eligibility Criteria

    Entry age (for self)18 years65 years
    Entry age for children5 years65 years
    Sum InsuredRs. 3 Lakhs, Rs. 5 Lakhs, Rs. 10 Lakhs
  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 supreme 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.
    • Ayurveda, Unani, Siddha, and Homoeopathy treatment expenses are also covered.

    Eligibility Criteria

    Entry age (for self)3 months70 years
    Sum InsuredRs. 3 LakhsRs. 25 Lakhs
    Policy Term3 years
  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 provide 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.

    Eligibility Criteria

    Entry age (for self)18 years65 years
    Entry age for children90 days26 years
    Policy Term1 year, 2 years, and 3 years
  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.


    • 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.
    • Dependent children, up to 25 years can be covered in the policy under the family option.

    Eligibility Criteria

    Entry age18 years69 years
    Sum InsuredRs. 5 LakhsRs. 1 Crore
  6. Chola Flexi Health Insurance

    Chola Flexi Health Insurance offers methods that financially protect you and your family against unexpected health issues.

    Key Features

    • 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.

    Eligibility Criteria

    Entry age (for self)18 years65 years
    Entry age for children3 months26 years
    Policy Term1 year, 2 years and 3 years
    Premium payment modeAnnual, monthly, quarterly, half-yearly
    Sum Insured amountRs. 1/ 2 / 3 / 5 / 7.5 / 10 / 15 / 20 / 25 Lakhs
  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.

    Eligibility Criteria

    Entry age for adults18 years65 years
    Entry age for children90 days25 years
    Premium payment modeMonthly, quarterly, half-yearly, and yearly
  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 coronavirus. 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.

    Eligibility Criteria

    Entry age for adults18 years65 years
    Entry age for children3 months25 years
    Policy term1 year
    Sum Insured optionsRs. 10,000/ 20,000/ 30,000/40,000/ 50,000

Exclusions of Cholamandalam Health Insurance Plans

  • Expenses related to any pre-existing diseases.
  • Vaccination or inoculation unless forming a part of post-animal bite treatment.
  • Any type of suicidal or intentional attempt to harm or injure self in senses or an insane condition.
  • Any treatment expense arising 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.

How To Purchase Cholamandalam Health Insurance Plans?

For customers, there are two methods available for buying Cholamandalam's health insurance policy. First, the policy can be bought from Cholamandalam's company's website. Secondly, customers can buy it from third-party intermediaries like agents and brokers who deal in selling health insurance plans.

Let's check out the process to buy the policy fror the official website of Cholamandalam.

  • 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 Insurance company offers two easy ways to file a claim for its health policies. Let's understand more about these claim processes.

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.

Documents Required for Filing a Health Insurance Policy Claim

Given below is the list of documents that are required while raising a claim with Cholamandalam company.

  • 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

Documents required for Filing a Critical Care Policy Claim

  • Claim form duly filled in and signed
  • All supporting reports to prove the diagnosis of the critical illness (pathological, imaging, or any other reports)
  • Detailed attending physician's report mentioning the past medical and surgical history of the patient with duration and confirming the diagnosis
  • First Consultation paper

How To Renew Cholamandalam Health Insurance Plans?

Cholamandalam offers a quick renewal process to its customers. Given below is a step-by-step procedure that explains the renewal process of Cholamandalam's health insurance plans.

  • 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 Insurance Company?

Registered Office Address: 2nd Floor, "Dare House", No.2, NSC Bose Road, Chennai - 600001, India.

Customer Care Service: 1800-208-5544 (Toll-Free, India), +91 44 6166 3400 (Agents/Intermediaries)

Email: customercare[at]cholams[dot]murugappa[dot]com

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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.

Find Out What Customers Are Saying

(Showing latest 5 reviews only)

- 4.8/5 (43 Total Rating)

June 6, 2022

Akhil Dev


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

October 19, 2021

Darshan Pal


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

October 13, 2021

Siddhant Kapoor


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

October 11, 2021

Vivek Dhaiya


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

October 8, 2021

Akshay Dewan


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 :)

Last updated on July 2021

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