Chola MS Flexi Health Insurance
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Chola MS Flexi Health Insurance

Chola MS Flexi Health Insurance creates a safety net of health by seamlessly molding itself around your precious life. With personalized sum insured, cashless treatment facility, premium payment modes, unconditional support while claiming, and much more, you do not require to sacrifice your savings at the time of a medical emergency.


Entry age

Adults: 18-65 years

Children: 3 months-26 years

Maximum sum insured (Rs.)

25 lakhs

Policy term

1/2/3 years

Premium payment modes

Annual, half-yearly, quarterly, monthly, and single

**Last Updated on 18-12-2020

Coverage Details

Pre and post-hospitalization

Yes, up to 30 and 60 days

Daycare procedures


Ambulance expenses

Up to 1% of SI (maximum Rs.2,000) per hospitalization

AYUSH treatments


Second medical opinion

Yes, up to Rs.25,000

Repatriation of mortal remains

Yes, up to Rs.3,000

Daily care benefit

Yes, Rs.500/day for up to 10 days

**Last Updated on 18-12-2020

Importance of Chola MS Flexi Health Insurance

Flexi Health is a great fit for any individual who is looking to buy a cheap health plan. Let's understand its importance through an example.

Saurabh purchased Flexi Health with a sum insured of Rs.10 lakhs at the age of 30 years. After 6 months, he met with an accident and was hospitalized for a week. The total bill was 3 lakhs. His father came to visit him (from another city) via a flight. Those expenses were covered by the plan. After a year, he was hospitalized for surgery, amounting to Rs.5 lakhs. Again, the policy covered the treatment expenses.

Had he not purchased health insurance, his savings would have impacted in a matter of 2 years.

Key Features and benefits of Chola MS Flexi Health Plan

The plan comes with a rock-solid list of features and benefits to gain the trust of an individual. Let's take a look at it.

  • Restoration of the sum insured: Ensure the restoration of the sum insured (up to 100%) for unrelated claims.
  • Cumulative Bonus: Get a cumulative bonus of 10% (up to 50 % of the sum insured) for every claim-free year.
  • Cashless Facility: Enjoy the cashless facility at over 8100 network hospitals.
  • Tax Exemption: Under section 80D of the Income Tax Act, 1961, an insured can grab tax benefits for paying regular policy premiums. 
  • Pre-existing diseases- In case of any pre-existing disease or condition, you need to wait only for 36 months to avail of policy benefits.
  • Premedical screening- Individuals up to 50 years don't have to appear for pre-medical tests to buy this plan.
  • Health check-ups- For every 2 claim-free years, get a chance to undergo a free health check-up. 
  • Air travel expenses- If a family member needs to visit the insured hospitalized for a life-threatening medical emergency condition, the plan looks after its expenses (up to Rs.5000).
  • Newborn baby cover- A newborn is covered under the policy, provided the mother is covered for a continuous period of 12 months from the commencement date of the policy.
  • Additional sum insured- If a claim is registered for a road accident, the plan extends the coverage (up to 25% of SI for Rs.3 lakhs and above the sum insured).

What is not covered in the Chola MS Flexi plan?

Following are some of the conditions, which are not covered under this plan. Let's have a look at it.

  • The initial waiting period of 30 days for all illnesses (not applicable to renewal and accidents).
  • War, hostilities whether war declared or not.
  • Any act of intentional self-injury or attempted suicide.
  • Vaccination or inoculation unless forming a part of post-animal bite treatment.

Why should you choose the Chola MS Flexi Health over the Chola MS Healthline plan?

There is one key factor that differentiates both the plans. Chola MS Flexi Health covers pre-existing diseases after a waiting period of 36 months. Whereas, in the Healthline plan, this period is 48 months. If you are suffering from any of such illnesses, Flexi Health will provide you with quick coverage as compared to the Healthline plan.

How can I buy the Chola MS Flexi Health plan?

Thanks to the advancement in technology, Chola MS has framed a simple online buying process that you can perform from the comfort of your home. Let's check it out.

  • Visit the official website of Chola MS General Insurance. Tap on the 'Health' icon and click on 'Get Quote'.
  • Click on 'Buy Now' under Flexi Health plan. Enter the required details and click on 'Proceed'.
  • Fill in the details, perform the following steps, and check the premium information.
  • Pay the premium online and the policy will be sent to your registered mail id.

You can also buy this plan from the nearest branch of the company.

How to register a claim for Chola MS Flexi Health Insurance?

There are two ways of filing a claim. Let's check them out.

Cashless Claim

  • Locate a network hospital associated with the company and inform Chola MS about the hospitalization by dialing 1800-208-5544
  • At the hospital insurance desk, show the policy document and ID proof.
  • After this, the hospital will send the request for authorization of treatment taken by the insured to Chola MS.
  • Chola MS will then directly settle the bills by coordinating with the hospital or the nursing home.
  • In case the request is denied, the insured must pay the bills and submit all the claim documents for reimbursement.

Reimbursement Claim

  • Inform Chola MS about the claim (before admission) by dialing 1800-208-5544.
  • Upload all the relevant documents within 30 days of discharge from the hospital.
  • The company will verify the documents and share its decision within 7 working days.
  • On approval, the claim amount will be sent to the registered bank account.

Frequently Asked Questions

1. How to check my status for Chola MS Flexi Health insurance?

Existing users can log into the website with valid login details to check the status of the policy. However, new users must create an account first to check the status. It hardly takes 5-7 minutes to complete the registration process.

2. Does Flexi Health Insurance offer lifelong renewability?

Yes, it does.

3. If I choose the Flexi Health plan on a family floater basis, how many members can I cover?

The plan will cover 6 members at most.

4. Do premiums for Flexi Health plans vary according to my location?

Yes. Tier 1 and tier 2 locations have different premium details. For more information, please check the policy document.

Last updated on 18-12-2020