Cholamandalam Health Insurance

Cholamandalam Health Insurance
PX step

Get Quotes From Top Insurers



Cover For
D.O.B (eldest member)



Phone No.

By proceeding you are accepting our T&C and privacy policy

About Cholamandalam Health Insurance

Cholamandalam MS General Insurance Company is the collaboration of Murugappa Group and Mitsui Sumitomo Insurance Company Limited, Japan. The company has been consistently recognised and awarded by the Government of India, international entities and several rating agencies for its innovations in the insurance industry. The company carries 109 branches and over 9000 agents across the country.

Cholamandalam Health Insurance plans provide a significant range of features and benefits such as in-patient and domiciliary hospitalisation, unlimited room rent expenses, comprehensive coverage against 20 major critical illnesses and accidents.

Highlights of Cholamandalam Health Insurance

Incurred Claim Ratio35%
Network Hospitals8000+ (Cashless Hospitalization)
Renewal PeriodLifelong
Waiting Period4 years (for already existing diseases only)
Grievances Solved99.55%

Table Data updated on 21-09-2020

Cholamandalam Health Insurance Highlights

What Are the Types of Cholamandalam Health Insurance Plans?

1. Chola Healthline Insurance

Chola MS Healthline is a complete health insurance policy to cover all types of expenses at the time of hospitalisation. Under this plan, one can choose to cover his/her family under the individual or floater sum insured basis.

Features & Benefits

  • One can get health cover for self, spouse and dependent children on the floater sum insured basis.
  • If you go for the individual cover of Chola Healthline, you can also include your parents or parents-in-law and even for your siblings.
  • The Chola Healthline offers 4 different plans, viz., Value Healthline, Freedom Healthline, Enrich Healthline, Privilege Healthline from which you can choose a plan that suits you and your loved one's requirements.

A. Value Healthline Insurance

Features & Benefits

  • The sum insured for the Value Healthline can be chosen from Rs. (2,3,5,7.5, and 10) lakhs.
  • It offers the cashless hospital facility across all the network hospitals of Cholamandalam General Insurance Company.
  • Provision of cover for pre and post-hospitalisation up to 30 and 60 days respectively.
  • A discount of 5% to 50% is offered to the policyholder at pharmacies, labs, hospitals and etc. all over the country.
  • It offers the AYUSH benefit for undergoing Ayurveda, Unani, Siddha and Homoeopathy treatment.

B. Freedom Healthline Insurance

Features & Benefits

  • The sum insured for the Freedom Healthline can be chosen from Rs. (3,5,7.5,10 and 15) lakhs.
  • It offers pre-hospitalisation for 60 days and post-hospitalisation for 90 days.
  • It provides 140 day care treatment expenses cover that does not require the policyholder to be admitted in the hospital for 24 hours.
  • Domiciliary treatments (in which medical treatments of an individual are undertaken at home) are covered up to 7 days in a single policy year.
  • Emergency ambulance charges for up to Rs. 2000 are covered under the Freedom Healthline health insurance policy.

C. Enrich Healthline Insurance

Features & Benefits

  • The sum insured for the Enrich Healthline can be chosen from Rs. (3,5,7.5,10,15,20 and 25) lakhs.
  • The organ donor expenses due to the organ transplantation required for the treatment of the policyholder are covered.
  • If any child is hospitalised, a daily allowance of Rs. 500 for 7 days basis is provided.
  • If the hospitalisation of the insured is more than 10 days, an allowance of Rs. 10,000 is provided.
  • Get the benefit of double sum insured amount due to an accident and on the diagnosis of critical illness from any of the 14 specified critical illnesses of Chola Health Insurance.
  • The policyholder is rewarded with a 50% cumulative bonus for every claim-free year, subject to a maximum of 100% of the base sum insured.

D. Privilege Healthline Insurance

Features & Benefits

  • The sum insured for the Privilege Healthline can be chosen from Rs. (5,7.5,10,15,20 and 25) lakhs.
  • It offers Rs. 5000 per hospitalisation of the policyholder as emergency ambulance expenses.
  • Provision of maternity expenses up to Rs. 1 lakh for delivery.
  • It also offers cover for newborn baby expenses up to the sum insured limit of the mother (floaters sum insured).
  • It also offers cover for outpatient expenses like expenses for dental cover, specs, contact lenses and any hearing aid up to Rs. 10,000 for every 2 years.
  • The policyholder is rewarded with a 5% cumulative bonus for every claim-free year, subject to a maximum of 50% of the base sum insured.

Additional Details

Age at Entry18 to 65 years
Policy Term1,2,3 years
Renewal PeriodLifelong
Pre-Policy Medical TestsRequired after 55 years
Co-payment10% as per the policy norms

Table Data updated on 21-09-2020

**Note: The details mentioned in the above table are applicable for all the 4 types under the Chola Healthline Insurance Plan.

2. Chola MS Critical Healthline Insurance

Chola MS Critical Healthline Insurance offers a flexible sum insured to the policyholder suffering from the Critical Illnesses such as multiple sclerosis with persisting symptoms, major organ/ bone marrow transfer, open chest CABG, permanent paralysis of limbs, kidney failure, etc.

Features & Benefits

  • The policy covers self, spouse and up to 3 children.
  • No pre-policy medical tests are required up to 55 years of age.
  • Any proof of hospital expenses like bills and receipts are not required during the claim settlement under the Critical Healthline policy.
  • The maximum sum insured offered by the policy is Rs. 10 lakhs.
  • Tax benefits (up to Rs. 25,000) for the premiums paid under the policy.

Additional Details

Age at Entry18 to 65 years, 5 years (for children)
Renewal PeriodLifelong

Table Data updated on 21-09-2020

3. Chola Super Top Up Insurance

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

Features & Benefits:

  • The policy offers coverage for an extended family under individual basis.
  • This insurance policy provides long-term cover and can be availed for 1, 2 or 3 years policy tenure.
  • Relaxation on entry age, i.e., from 3 months to 70 years but the proposer should be 18 years of age during the commencement of the policy.
  • There is no maximum cover-ceasing age for children under the plan.
  • If more than 7 members are covered in the policy, a discount of 10% can be availed.

Additional Details

Renewal PeriodLifelong
Day care Procedures140
Pre-policy Medical Check-upsAfter 55 years

Table Data updated on 21-09-2020

4. Chola Hospital Cash Healthline

The Chola Hospital Cash Healthline insurance policy offers the policyholder a broader parameter by taking care of the miscellaneous expenses during hospitalization.

Features & Benefits

  • It is available in 6 flexible variants, viz., Plan A, B, C, D, E, and F to give the policyholder the freedom to choose the right plan according to requirements and expected coverage.
  • 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.
  • Convalescence Benefit (Lump sum payment for continuous hospitalization per person) is Rs. 10,000, Rs. 15,000 and Rs. 20,000 for Plan A and D, Plan B and E, Plan C and F respectively.
  • A family discount of 5% on total premium for every additional insured is offered to the policyholder but up to 10%.
  • Double Intensive Care benefit in case of ICU hospitalization is offered by the insurance plan to the policyholder.

Additional Details

Age at Entry18 to 65 years and 3 months (for children)
Health Check-UpsAbove 55 years
Discounts5% discount per add-on member cover, the maximum discount offered is 10%
Renewal PeriodLifelong

Table Data updated on 21-09-2020

5. Chola Personal Accident Plan

Chola Personal Accident Plan is a newly launched plan which is tailor-made to provide financial protection against unfortunate events of life like death, physical injuries, disabilities or any bodily damages caused due to an accident.

Features & Benefits

  • A weekly compensation will be given by the plan in case of disability due to an accident.
  • Reimburses expenditure to modify residential accommodation or own vehicle in case of permanent and total disability of the policyholder because of 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 person, the transportation expenses of a family member to the location of the insured person will be paid by the policy.

Additional Details

Age at Entry18 to 69 years; Dependent children up to 25 years of age can be covered
Sum InsuredRs. 5 lakhs to Rs. 1 crore
Permanent Total Disability100% of the sum insured is paid
Renewal PeriodLifelong

Table Data updated on 21-09-2020

How To Purchase Cholamandalam Health Insurance Plans?

  • 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 'Click Here' to proceed with the purchase.
  • Enter the details asked like name, mobile number and email id.
  • Tap on the 'submit' option.
  • The company will call you to process your application further.
  • If you require any information related to your purchase of the policy, you are free to contact the customer services of the company.

How To Renew Cholamandalam Health Insurance Plans?

  • Visit the official website of Chola MS General Insurance.
  • You will see a tab named 'health' on the left side of the screen. Tap on it.
  • Choose the 'Renew' option, provide the policy number and click 'proceed'.
  • Fill in the required information and submit.
  • Make the payment.
  • Bingo! Your policy renewal process is successful.

What Is the Claim Process of Cholamandalam Health Insurance Plans?

Chola MS General Insurance company offers two ways to make an insurance claim for its health policies:

Cashless Claim:

  • In this case, the policyholder does not have to pay the bill if he/she is admitted in a network hospital (up to the sum insured) under the insurance policy.
  • The policyholder has to report at the assistance 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 for authorisation and they will verify the details.
  • If the verification is successful, the claim will be processed and you will receive the notification to your registered email address.

Reimbursement Claim:

  • The policyholder has to pay the bills and contact the insurer.
  • The insurer will provide a reimbursement form to fill in the necessary information.
  • The required documents such as discharge summary, prescription etc will be processed further along with the form.
  • Verification will be done by the company as per the norms of the policy.
  • And if everything will be in place, an approved letter will be received from the claim management team in your email id and you will get the reimbursement successfully.

What Is Excluded Under Cholamandalam Health Insurance Plans?

  • 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 any type of terrorist or nuclear attacks.
  • 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 Contact Cholamandalam MS General Insurance?

Customer Care Service: 1800-208-5544 (India), +91-44-6166-3400 (Outside India)


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

Cholamandalam Health Insurance: FAQs

1. Are there any sub-limits under the family floater plan of Cholamandalam Healthline insurance?

No, there are no sub-limits under the family floater plan of Cholamandalam Healthline insurance.

2. 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.

3. What is the waiting period for maternity benefits under Cholamandalam Privilege Healthline Insurance policy?

A waiting period of 3 years or 36 months is imposed to get the maternity benefits under Cholamandalam Privilege Healthline Insurance policy.

4. I already have a critical illness policy; can I get one new one from Chola MS Critical Healthline Policy?

Yes, it is possible to buy a Chola Critical Healthline Policy even when you have some existing policy. The insured can claim both Critical illness cover of the policies when a critical illness occurs.

5. What are the Health Alerts in Cholamandalam Health Insurance policies? What benefit does it offer?

The Health Alert is a feature that is exclusively available to the Chola MS Health Insurance policyholders. This feature provides health tips to customers through SMS alerts. From taking medication on time, meeting your family doctor for a scheduled appointment to health tips, this messaging service keeps you updated through instant messages for a healthy lifestyle.

Page updated on 21-09-2020