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Star Flexi Health Insurance | Best Star Health Insurance plan | Star Health Insurance plan 2025
Cholamandalam Health Insurance
Chola MS Flexi Health
A personalized health insurance plan by Cholamandalam Health Insurance ...Read More
Up to 5 Crore
Sum insured
1
No. of plans
1500+
Pan India presence
94%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,707 reviews
🏥 12,000+ hospitals
📊 2.18 solvency ratio
✅ 94% claim settlement
About Chola MS Flexi Health
A quick read on what this Cholamandalam Health Insurance plan covers and why it might be a fit for you.
Chola Flexi Health is an insurance plan that adapts to your life. You can personalize your sum insured, premium payment mode, and tenure under the policy. The product also covers alternate treatments besides allopathy. Chola Flexi Health Insurance offers a wide range of sum insured options up to INR 25 Lakh for self, spouse, children, dependent parents, dependent parents-in-law, and dependent siblings on an individual sum insured basis. A family floater policy can be availed for the primary insured, spouse, and children, covering a maximum of 6 members. The plan is designed to give customers better control over their insurance plan by providing additional coverage options like:
- Sum Insured Restoration
- Recharge Benefit
- Additional Sum Insured for claims due to Road Traffic Accident
- Daily Care Benefit
- Compassionate Travel
- Repatriation of Mortal Remains
- Medical Second Opinion
The entry age for adults to purchase Chola MS Flexi Health is 18 years to 65 years. Dependent children can be covered from as early as 3 months up to 26 years.
Chola Flexi Health At A Glance
Plan Type: Individual/Family Floater
Initial Waiting Period: 30 Days
Sum Insured: INR 1 to 25 Lakh
Network Hospitals: 10000+
No-claim Bonus: Applicable, 10% to 50% of SI
Health Checkup: Once in two claim-free years
Plan at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Entry age
18 to 65 years
Plan type
Individual and Family Health Insurance
Sum insured options
₹5 L, ₹7 L, ₹10 L, ₹15 L, ₹20 L, ₹25 L
Waiting period
30 Days
Renewability
Lifelong
Policy term
1,2,3 Years
*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
Pros & cons
A quick honest summary — the strengths and the trade-offs.
Pros
- Newborn baby cover
- Ambulance cover
- Recharge benefit
Cons
- Illegal activities
- Alcoholism
- Obesity
- and cosmetic procedures
What's covered
Every CMS-driven coverage flag from the plan wording — only items with a published value render below.
Hospitalization
- Room rent Covered
- ICU charges Covered
- Pre-hospitalization Covered
- Post-hospitalization Covered
- Domiciliary hospitalization Covered
- Day-care treatment Covered
- OPD charges Not covered
- Covid-19 treatment Covered
- Cataract Covered
Bonuses & restoration
- No-claim bonus Covered
- Automatic restoration of SI Covered
- Daily hospital cash Covered
Family & special care
- Maternity cover Not covered
- New-born baby cover Covered
- IVF treatment Not covered
- AYUSH treatment Covered
- Organ donor expenses Covered
Modern & preventive care
- Modern treatment Not covered
- Road ambulance Covered
- Air ambulance Not covered
- E-consultation Not covered
- Health check-up Covered
- Second medical opinion Covered
- Vaccination Not covered
Conditions & global
- Co-payment Covered
- Sub-limits Covered
- Compassionate travel Covered
- Global coverage Not covered
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.
Cholamandalam Health Insurance
Benefits of Chola MS Flexi Health
Chola MS Flexi Health offers various features and benefits to its customers, allowing them to customize the health plan to their requirements:
- Road Traffic Accident Benefit: Chola MS Flexi Health Insurance policy offers individuals road traffic accident benefits for a sum insured of INR 3 Lakh and above. The benefit provides individuals up to 25% of the sum insured, to a maximum of INR 3 Lakh, once during the policy period for claims made due to road traffic accidents.
- Compassionate Travel Benefit: Individuals investing in Chola MS Flexi Health Insurance can avail of the compassionate travel benefit. The plan offers reimbursement of travel expenses up to a maximum of INR 5,000 per policy year by air in case an immediate family member is admitted to the hospital for a life-threatening emergency medical condition.
- Daily Care Benefit: Individuals are provided with a daily benefit of INR 500 per day towards accompanying personal expenses, up to a maximum of 10 days per policy period.
- Avail Medical Second Opinion: If you are an individual who wants to avail a second medical opinion for various treatments, the plan provides reimbursement of the cost of obtaining a specialist medical opinion up to a maximum of INR 25,000.
- Tax Benefits: All premiums paid towards the Chola Flexi Health Plan will be eligible for tax benefits under Section 80D of the Income Tax Act, 1961.
Inclusions & exclusions
What the plan pays for, and what it doesn't.
Exclusions
- Permanent diseases or health conditions not covered under the Cholamandalam Flexi Health Plan are:
- Hospitalization due to war, riot, strike, or nuclear weapons
- Intentional self-injury
- AIDS
- Miscarriage and Abortion
- Congenital disease
- Infertility and in vitro fertilization
- Certain diseases and treatments are covered under this plan after a specific waiting period. Read the details below:
- Listed ailments after 2 years
- Pre-existing diseases after 36 months
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- Min entry age: 18 Years
- Max entry age: 65 Years
- Initial Waiting Period: 30 Days
- Sum Insured: Up to 25 L
Other features & benefits
Claim Process of Chola MS Flexi Health
To avail of claim settlement services, the insured individual must follow the process outlined below.
Cashless Claim
- On hospitalization of self or a family member, the customer must inform the hospital that they are a Chola MS policyholder.
- Submit your policy number, policy card, and a valid ID proof to the hospital administration.
- Post verification of your documents, a pre-authorization form is filled and submitted to Chola MS Insurance.
- The insurer will review the documents and proceed with verification.
- Once verification is complete, Chola MS will settle the claim directly with the hospital.
Reimbursement Claim Process
- On hospitalization in a non-network hospital for self or a family member, the customer must inform the insurer on the toll-free number 1800-208-9100 within 24 hours of hospitalization.
- On discharge from the non-network hospital, the insured individual must pay the complete hospitalization bill and fill the pre-authorization reimbursement claim form and submit it to your nearest Chola MS branch along with the hospitalization documents.
- Once the documents and form are verified, Chola MS will process the reimbursement claim as per your policy terms and conditions.
Cholamandalam MS Flexi Health Insurance: FAQs
The 5 most-asked questions about Chola MS Flexi Health, answered.
There are certain sub-limits applicable to room rent and emergency road ambulance under the Chola MS Flexi Health Insurance as per the policy schedule.
The eligibility criteria under Chola MS Flexi Health Insurance are given below Adults - 18 to 65 years Dependent Children - 03 months to 26 years
The Chola Flexi health insurance offers a wide range of sum insured options to its customers ranging from 2 to 25 Lacs and can be customized as per the requirements of the customer.
No, customers can not avail of medical coverage internationally under Chola Flexi health insurance. The cover is only applicable in India.
Under Chola Flexi Health Insurance relationships covered are mentioned below Self Spouse Children Dependent Parents Dependent Parents-in-law Depdent siblings
Conclusion
Flexi Health is a customizable health insurance plan that allows you to adjust coverage and premium.
Explore Cholamandalam Health Insurance
Chola MS Health Insurance Renewal Process
Chola MS Health Insurance Claim Settlement Ratio
Chola MS Customer Care
Chola MS Calculator
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