Chola MS Health Insurance
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Cholamandalam MS Health Insurance

Network hospitals



Incurred claim ratio



Sum insured

Up to 5 CR


No. of Plans



Solvency Ratio



Pan India Presence


Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member


Network hospitals



Incurred claim ratio



Sum insured

Up to 5 CR


No. of Plans



Solvency Ratio



Pan India Presence


Cholamandalam Health Insurance Company

In 2001, two main financial companies, Murugappa Group of India and Mitsui Sumitomo Insurance Company from Japan, joined hands to create Chola MS General Insurance Company. By now, the company has 189 office branches around the country and over 30,000 intermediaries. Their T3 philosophy is one of the most amazing philosophies among companies today. It stands for Trust, Transparency, and Technology. Their main aim is to protect you from stressful & skyrocketing health care expenses.

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Cholamandalam Health Insurance

Cholamandalam Health Insurance

What does Cholamandalam Health Insurance Company do?

Cholamandalam Health Insurance is one of the largest health insurance companies in the world. They provide financial cover that supports your health conditions and expenses. They offer various health insurance products pan India. You can choose the best health insurance policy by visiting the official website.

Some Interesting Facts About Cholamandalam Health Insurance

  • The Murugappa Group is an Indian group comprising 29 businesses.
  • It was founded in 1900 and since then, serving for the welfare of society.
  • They provide 70 minutes of cashless claim processing.
  • You can start your premiums at the rate of Rs 407 per month.
  • They provide direct claim assistance without TPA.

Some of the Awards and Achievements

  • The Economic Times Best Brands 2020
  • Golden Peacock Award- Risk Management
  • Pride of Tamil Nadu Award for BFSI Sector
  • Dream Companies to Work in the Private Insurance Sector in 2017
  • Best CSR Practices

A Quick Outlook

Cashless Claim Settlement 70 minutes
Minimum Entry Age 3 months
Maximum Entry Age 65 years
Sum Insured Upto Rs. 25 Lakh
Network Hospital Over 11000
Tax Benefits Upto Rs. 1 Lakh
Solvency Ratio (2021-22) 1.89%
Claim Settlement Ratio (2021-22) 93.23%
Ambulance Expenses Covered
Coverage for Accidents Yes

Cholamandalam Health Insurance Plans

Cholamandalam Health Insurance offers customized health insurance plans and complete health covers. Have a look below.

  1. Individual Plans

    Cholamandalam Health Insurance offers several types of individual plans. These plans offer coverage for one person only

  2. Family Floater Plans

    Family floater plans are specifically designed for people having a family. You can consider this plan if you want to secure your spouse, kids, and parents as well

  3. Senior Citizen Plans

    The plans are specifically designed for people aged 60 and above. The premiums of these plans might be high but offer complete coverage.

  4. Top-Up Plans

    Top-up plans work when your normal health insurance plan is not enough for your complete coverage. It will give additional coverage for your health insurance policy.

Individual & Family Health Insurance Plans

A plan with sum insured, premium payments and tenure options. Provides coverage for alternate treatments besides allopathy too.

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

Why Choose Chola MS Health Insurance Plan?

Cholamandalam Health Insurance Company is famous for creating products that are flexible enough to meet the requirements of their varied customers. There are several benefits to choosing Cholamandalam Health Insurance as your health insurance partner. Read below to know more-

  • Network Hospitals:

    The company has a tie-up with 11,000+ hospitals. You can avail of cashless treatment during medical emergencies from this wide range of network hospitals.
  • Solvency Ratio:

    Cholamandalam Health Insurance has a Solvency Ratio of 1.89 as per the IRDAI annual report 2021-22. 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 2021-22, the claim support of Cholamandalam Health Insurance is 93.23.
  • Annual Premium:

    As per the annual report of IRDAI 2021-22, the annual premium of Cholamandalam Health Insurance is 4,824.12 Cr.
  • PAN India Presence:

    With over 152 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

Know What is Covered- Inclusion

Illness and Injury Cover

If there is any requirement for hospitalization due to any illness or injury during the policy year, it will be covered by the policy.

Daycare Procedure

The health insurance policy by Cholamandalam Health Insurance will cover daycare medical procedures or treatment along with doctor-recommended procedures or surgeries.

Ambulance Facility

With the Cholamandalam Health Insurance policy, you will get the facility of an ambulance. So, do not worry if you are required to take medical facilities outside the city, then too you will be covered.

Pre-policy Check Up

A health check for 40 years and above or someone who is opting for SI of Rs 6 Lakh and above is included in the policy.

Recovery Benefit

The policy allows you to get a daily cash allowance up to the sum insured. This makes sure that you can pay easily for your daily expenses.

AYUSH Treatment

The policy allows you to get traditional treatments such as Ayurveda, Yunani, Homeopathic, and much more.

Organ Donor Expenses

The health insurance covers the complete cost of organ donation and transplant surgeries.

What is not Covered? - Exclusions


Vaccination except rabies or post-bite will not be included in the policy.

Sports Injuries

Injuries caused by any kind of sports will not be included.


Injuries caused due to war, mutiny, or martial law are not covered.

Injuries due to Immortal Acts

Injuries due to breaking of law or committing an immortal act are not covered under the health insurance policy.

Self-inflicted injuries

Insurance policies do not cover self-inflicted injuries or suicide.

Venereal or sexually transmitted diseases

The policy will not cover any sexually transmitted diseases or venereal diseases.

Cosmetic or obesity surgery

Recreational surgeries will not be covered in the health insurance policy. Plastic surgery will be included only in the case of an accident.

Waiting Period in Chola MS Health Insurance

The waiting period is the duration in which you have to wait before making the claim. This waiting period applies from the date you buy the policy and lasts up to 15 days to 4 years depending upon policy to policy.

Cholamandalam Health Insurance generally adds the following waiting periods:

  • Initial Waiting Period:

    This waiting period is experienced in the first 30 days from the policy commencements. You cannot file for a claim except for emergency hospitalization due to an accident.
  • Pre-existing disease waiting period:

    As per IRDAI, pre-existing diseases are diseases that are diagnosed 48 months before you buy a health insurance plan. Diseases like diabetes, thyroid, hypertension, etc are some of the diseases in which waiting periods might occur.
  • Specific Diseases Waiting Period:

    This period occurs for a few diseases like cataracts, ENT disorders, joint replacement surgery, mental illness, etc. The waiting period for these diseases can be up to 24 months depending on the type of plan you choose.
  • Maternity Benefit Waiting Period:

    Maternity benefits usually start after 1 to 4 years of waiting period after buying health insurance. However, it depends upon the policy. So, you need to plan your family accordingly.
  • Mental Illness Waiting Period:

    Today, many policies provide coverage for mental illness but you can avail claim after a specific time. Usually, the waiting period for mental illness coverage is 1 to 4 years.

Factors to Consider While Buying A Health Insurance Policy

Choosing a health insurance plan can be stressful and confusing for most people. But you need to have a clear idea of what a certain plan is offering and what are the things they are covering. Once you are positive about the plan benefits, it becomes easier to make correct decisions. Let's check out some of the vital factors that you should consider before buying a health insurance policy:

  • Individual or Family Floater Plan:

    When choosing a plan your first step is to check whether your requirement is for yourself or your family. Most of the time family floater plans benefit those who want to secure their family as it is cheaper than the individual one.
  • Cover Amount:

    We all know that with growing inflation, medical expenses are also increasing day by day. Therefore, having health insurance will help hugely to meet the expenses. Also, it is necessary to choose a policy that offers maximum coverage amount for your health claims.
  • Co-Payment Clause:

    Every policy has some clauses you need to follow and a co-payment clause is one of those. This means that for every claim you make, you have to bear a certain percentage of the claim amount. So, you must check how much clause your policy is putting in.
  • Hospital Network:

    Always check the list of hospitals included in your policy. Remember the kinds of medical facilities and services you might need in the future.
  • Waiting Period:

    Look for the period you need to wait before claiming the reimbursement. Some policies put a waiting period on critical illness as well, you need to check for that too.
  • Lifetime Renewal:

    You may need healthcare when you grow old. So, look for a policy that provides lifetime renewal options.
  • Compare the Premiums:

    You should always choose the premium after comparing more than two policies. This thoughtful action will prevent you from paying a higher amount for lesser claims.

Why Choose Online Procedure to Buy Health Insurance Policy?

Getting a medical insurance policy online from PolicyX or directly from the company is full of benefits. Read below to know more:

  • Easy to Compare:

    Online platforms give access to compare different health plans at the same place. You can pick the right one for you while comparing the premiums.
  • Buying Insurance within 5 minutes:

    At an online platform, you can choose and buy your policy within 5 minutes, without any extra hustle.
  • 24*7 Customer Service:

    The experts are always at your service. No matter what the time is, you can contact them any time to clear your doubts.
  • Instant Quote:

    With online accessibility, you can get quotations with just one click. You can collect several quotes and choose the right one for you.

Benefits of Purchasing Health Insurance at an Early Age

Although, there are no specific age criteria for buying health insurance plans. But buying insurance at an early age is highly beneficial. Read below to get to know why buying health insurance at an early age is beneficial.

Benefits of Purchasing at an Early Age

Your premiums will be less at an early age.

Benefits of Purchasing at an Early Age

At an early age, a continuous cover with renewals will help you to go out with the waiting period.

Benefits of Purchasing at an Early Age

No medical test is required if you purchase health insurance at an early age.

Benefits of Purchasing at an Early Age

You can avail a no-claim bonus for every claim-free year.

Benefits of Purchasing at an Early Age

You do not need to share your medical bills as the co-payment is not applicable in this case.

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.

How to Claim?

To file a claim you need to follow the below steps. Cholamandalam Health Insurance Company offers the easiest way to file a claim.

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).

Claim Process

Once you submit the claim intimation, the company will start their work of verification. They might assign a field doctor if required for this process. After completing the verification process, you will get the claim as soon as possible.

Documents required while filing the claim

  • Duly completed and signed claim form, in original
  • Valid photo-ID proof
  • Medical practitioner's referral letter and prescription
  • Original bills, receipts, and discharge cards from the hospital/medical practitioner
  • Original bills from the pharmacy
  • Original pathological/diagnostic tests reports/radiology reports and payment receipts
  • Indoor case papers
  • First Information Report, final police report, if applicable
  • Post-mortem report, if conducted
  • Any other document as required by the company to assess the claim

How to Calculate the Premiums?

You can calculate your health insurance premiums online at PolicyX very easily. Our Chola MS health insurance premium calculator is a tool that is designed to enable potential buyers to estimate the premiums that they need to pay, monthly, quarterly, or annually.

How to Renew 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.

Choose Policyx for all your Cholamandalam Insurance Queries

We are-

  • IRDAI Approved: is an IRDAI approved web aggregator that helps consumers in comparing, choosing, and buying policies online.
  • Free Comparison Service: provides a single platform where you can compare different insurance companies, insurance plans, and their premiums.
  • Compare 15 companies in 30 sec: Consumers can compare up to 15 companies in just 30 sec on
  • Buy Insurance within 5mins: PolicyX offers a simple and quick buying process where consumers can buy insurance in less than 5mins.
  • 24x7 Customer Service: PolicyX is always with their customers as we offer 24x7 customer care service.
  • Free Future Claim Assistance: PolicyX is always there to help and assist your claim under any term insurance company.
Why Choose PolicyX.Com

Contact Details

Cholamandalam Health Insurance Company is a dedicated insurance company that works 24*7 for customer case support. They make sure to resolve all the customer queries, no matter what time. For a branch-wise contact detail, you can read more about Cholamandalm Health Insurance Customer Care.

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

1800-2085-544 / Whatsapp No. 7305234433

Chola 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.

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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.

Customer Review Image

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

Simran Saxena

Written By: Simran Saxena

An explorer and a curious person, Simran has worked in the field of insurance for more than 3 years. Traveling and writing is her only passion and hobby. Her main agenda is to transform insurance information into a piece that is easy to understand and solves the reader’s query seamlessly.