Cholamandalam Health Insurance Plan | Compare & Get Online Discounts

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Updated on Jul 02, 2025 8 min read

Cholamandalam Health Insurance Company

In 2001, two main financial companies, Murugappa Group of India and Mitsui Sumitomo Insurance Company from Japan, joined 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.

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.

12000+

Network
Hospitals

1,27,000+

Claims Settled
FY 2023-24

93.63%

Claims Settlement
Ratio

UP TO 5 Cr

Sum
Insured

24X7

Customer
Support

What are some of the
Features
that set them apart?

1

The Murugappa Group is an Indian group comprising 29 businesses
2

70 minutes of cashless claim processing available
3

Direct claim assistance without TPA
4

It was founded in 1900 to serve the welfare of society
5

Versatile health insurance solutions

Cholamandalam Health Insurance Awards and Accolades

'The Economic Times Best Brands 2020' Award
'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'

Why Do We Exist?

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Best Selling Cholamandalam Health Insurance Plans

Let's take a look at the list of health insurance plans that offer comprehensive protection to you and your family

Individual and Family Health Insurance

Cholamandalam Health Insurance Plans	Eligibility	Approximate Annual Premiums
Chola MS Flexi Health	Entry Age - Sum Insured - Up to 0	Rs.

Key Features Of Cholamandalam Health Insurance

Let us take a look at some unique features of top-selling Cholamandalam Health Insurance policies:

For Individual and Family Health Insurance

Chola MS Flexi Health

Chola MS Flexi Health

A personalized health insurance plan by Cholamandalam Health Insurance with a flexible sum insured ranging between 1 L to 25 L. It is an ideal plan for young individuals and families.

Why Do We Recommend This?

Restoration benefit available
Recharge Benefit available
Medical second opinion covered

Explore other Cholamandalam Health Insurance

To cater to the different medical needs of an individual & their family, Cholamandalam Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more. Take a look below to Cholamandalam Health Insurance plans explore more:

Individual and Family Health Insurance

Chola MS Flexi Health

Chola Flexi Health is an insurance plan that molds itself around your life. You can personalize your sum insured, premium payment mode, and tenure und...

Unique Features

Avail SI up to 25L
Medical Second Opinion
Compassionate Travel Cover

Chola MS Flexi Health (Pros)

New born baby cover
Ambulance cover
Recharge benefit

Chola MS Flexi Health (Cons)

Illegal activities
Alcoholism
Obesity and cosmetic procedures

Chola MS Flexi Health (Other Benefits)

Medical second opinion
Daily care benefit
AYUSH coverage

Chola MS Flexi Health (Eligibility Criteria)

Min entry age: 18 Years
Max entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 25 L

Why Choose Cholamandalam Health Insurance?

Versatile and affordable health insurance plans for every need
24X7 customer support for easy claim settlement
Over 12000 network hospitals all over India
Offers comprehensive coverage at affordable premiums
Tax benefits under Section 80D of the Income Tax Act

A Quick Outlook

Cashless Claim Settlement	70 minutes
Minimum Entry Age	3 months
Maximum Entry Age	65 years
Sum Insured	Upto Rs. 5 Crore
Network Hospital	Over 12000
Tax Benefits	Upto INR 1 Lakh
Solvency Ratio (2022-23)	2
Claim Settlement Ratio (2022-23)	94.5%
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.

Individual Plans

Cholamandalam Health Insurance offers several types of individual plans. These plans offer coverage for one person only.
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 under one plan.
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.
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 in case your base health insurance policy is exhausted.

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:
On 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.

What is Covered?

Pre and Post Hospitalization Expenses

Cholamandalam Health Insurance understands the impact of rising medical expenses, which is why their insurance products contain pre and post-hospitalization expenses related to in-patient hospitalization.

AYUSH Treatments

Most Cholamandalam Health Insurance plans have in-built alternative treatment cover which you can utilize to your benefit. AYUSH treatment include Ayurveda, Unani, Siddha, and Homeopathy treatments.

Hospitalization Expenses

Cholamandalam health insurance plans cover your hospital expenses like room rent, ICU charges, surgery expenses, doctor consultations, and other such expenses.

Day Care Treatments

Multiple procedures do not require a 24-hour hospitalization. With this in mind, a majority of the Cholamandalam health insurance plans are designed to cover daycare procedures for policyholders.

Domiciliary Hospitalization

On a doctor’s recommendation, a policyholder can avail of medical care in the comfort of their home. Cholamandalam health insurance plans cover domiciliary hospitalization up to specified sub-limits.

What is not Covered?

Self Inflicted Injuries

Cholamandalam health policies will not cover injuries or hospitalization caused by self-harm.

Cosmetic Procedures

Cholamandalam Health Insurance plans do not cover any kinds of cosmetic surgeries or treatments.

Adventure Sports

Cholamandalam Health Insurance plans will not cover you for hospitalizations, or accidents caused due to adventure sports.

Obesity or Weight Control Treatments

Cholamandalam Health Insurance plans mostly do not cover treatments related to obesity and weight management such as bariatric surgeries.

Involvement In Illegal Activities

Cholamandalam health insurance company plans do not cover individuals or families for hospitalization or injuries caused due to unlawful activities.

What Are The Different Waiting Periods In Cholamandalam Health Insurance Plans?

The various waiting periods associated with CholamandalamHealth plans are:

Initial Waiting Period

Begins from the date of purchase and lasts for up to 30 days for most Cholamandalam Health Insurance plans.

Pre-existing Disease Waiting Period

Cholamandalam Health Insurance plans require you to serve specific waiting periods in case you are diagnosed with PEDs such as hypertension, diabetes, or any other.

Survival Period

Like waiting periods, Cholamandalam health insurance plans with critical illness coverage have a survival period. During this period policyholders diagnosed with any listed critical illness must outlive the survival period to enjoy coverage benefits.

Cholamandalam Health Insurance Plans Buying Process

If you are looking forward to purchasing Cholamandalam Health insurance online follow the simple steps below:

Step 1
Visit the PolicyX health insurance page, and enter your details such as name, age, number of members to be covered, and city.
Step 2
Click on 'Get free quotes' and compare Cholamandalam Health Insurance Plans as per your needs.
Step 3
Select and pay premiums online for the purchased Cholamandalam health insurance plan of your choice.
Step 4
Our team of insurance experts at PolicyX will provide you with all the assistance required regarding claims and other queries post-purchase of your Cholamandalam Health Insurance plan.

Cholamandalam Health Insurance Renewal Process

Follow the steps for Cholamandalam Health Insurance policy renewal

Step 1
Visit the official website of Cholamandalam Health Insurance Company
Step 2
Click on the ‘Renew’ tab
Step 3
Mention your ‘Policy Number’ and ‘Date Of Birth’

Connect with our insurance experts for Cholamandalam health insurance policy renewal at 1800 - 4200 - 269

Cholamandalam Health Insurance Plan Claim Process Steps

You can file for cashless as well as reimbursement claims for your Cholamandalam Health Insurance Plans by following these easy steps:

Step 1
Visit the official website of Cholamandalam Health Insurance
Step 2
Click on the claims button and then select the health claims button
Step 3
Now select the claim submission or claim intimation button
Step 4
Fill in details under an individual claim if you are filing a claim for yourself or your family
Step 5
Provide details asked on the website like Policy Number and Date of Birth for the patient
Step 6
Further, submit all the necessary documents required by the insurer and enjoy a hassle-free claim process

Documents Required For Cholamandalam Health Policy Claim Settlement

Submit the following documents when filing for Cholamandalam health claims:

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 pharmacy/chemists
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

Health Insurance Premium Calculator

PolicyX.com premium calculator offers premium comparison for some of the best health plans in India. You can input your details and check out some of the most suitable health insurance policies for your specific requirements. This is the easiest, most efficient, spam and gimmick-free way to buy health insurance today.

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More Queries?

If you have any more queries regarding Plans, Renewals, or Claim Procedures, contact our insurance experts at:
1800-4200-269 now!

Explore Cholamandalam Health Insurance

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 offered by 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 offer 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 Health Insurance

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Cholamandalam Health Insurance Company

What does Cholamandalam Health Insurance Company do?

Cholamandalam Health Insurance Awards and Accolades

Why Do We Exist?

Compare

Compare

Best Selling Cholamandalam Health Insurance Plans

Individual and Family Health Insurance

Key Features Of Cholamandalam Health Insurance

For Individual and Family Health Insurance

Why Do We Recommend This?

Explore other Cholamandalam Health Insurance

Chola MS Flexi Health (Pros)

Chola MS Flexi Health (Cons)

Chola MS Flexi Health (Other Benefits)

Chola MS Flexi Health (Eligibility Criteria)

Recommended Videos

Why Choose Cholamandalam Health Insurance?

A Quick Outlook

Cholamandalam Health Insurance Plans

Individual Plans

Family Floater Plans

Senior Citizen Plans

Top-Up Plans

Why Choose Online Procedure to Buy Health Insurance Policy?

Easy to Compare:

Buying Insurance within 5 minutes:

24*7 Customer Service:

Instant Quote:

What is Covered?

Pre and Post Hospitalization Expenses

AYUSH Treatments

Hospitalization Expenses

Day Care Treatments

Domiciliary Hospitalization

What is not Covered?

Self Inflicted Injuries

Cosmetic Procedures

Adventure Sports

Obesity or Weight Control Treatments

Involvement In Illegal Activities

What Are The Different Waiting Periods In Cholamandalam Health Insurance Plans?

Initial Waiting Period

Pre-existing Disease Waiting Period

Survival Period

Cholamandalam Health Insurance Plans Buying Process

Cholamandalam Health Insurance Renewal Process

Cholamandalam Health Insurance Plan Claim Process Steps

Documents Required For Cholamandalam Health Policy Claim Settlement

Health Insurance Premium Calculator

More Queries?

Explore Cholamandalam Health Insurance

Chola MS Health Insurance: FAQs

1. What is the waiting period for Chola MS Critical Healthline Insurance?

2. Can I cancel my health insurance policy?

3. Am I eligible to get a free medical checkup if I do not make any claim during a policy year?

4. Can non-Indian citizens living in India buy health insurance from Cholamandalam?

5. How can I know the status of my claim request?

6. Does Chola MS COVID-19 Health Insurance require pre-policy health check-ups?

7. Is there any particular Chola MS health plan for children?

8. Is there a family floater health insurance policy offered by Chola MS Group Health Insurance?

9. Can I check the policy status of the Cholamandalam Mediclaim policy?

10. How are Chola MS health insurance premiums decided?

11. What is the renewal process for the Cholamandalam health insurance policy?

12. Can Cholamandalam health insurance offer coverage for dependent siblings?

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