Cholamandalam Ms vs Galaxy Health Health Insurance 2026

Overview

Chola MS General Insurance is a 2001 JV of the Murugappa Group and Mitsui Sumitomo (Japan), driven by its T3 philosophy—Trust, Transparency and Technology.

COMPANY DETAILS

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Cholamandalam Ms

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Galaxy Health

Number of health insurance plans	No. of Plans 1 ❯	No. of Plans 3 ❯
Sum insured	Sum Insured Up to ₹ 5 Crore	Sum Insured Up to ₹ 1 Crore
Claim ratio	Claim Ratio 94%	Claim Ratio 98.9%
Network hospitals	Network Hospital 12000+	Network Hospital 3216+
Solvency Ratio	Solvency Ratio 2.18	Solvency Ratio 4.70
Pan India Presence	Pan India Presence 1500	Pan India Presence 71
Claim Form	Claim Form Available	Claim Form Available
Annual premium (company level)	Annual premium (company level) 1,155.97 Crore	Annual premium (company level) 16.95 Crore
Years in operation	Years in operation 2002	Years in operation 2023
24×7 claim support	24×7 claim support Yes	24×7 claim support Yes
Claims settled within 3 months	Claims settled within 3 months 93.70	Claims settled within 3 months 100
Recommended Videos	▶ Cholamandalam Health Insurance Review 2025 \| Chola MS Full Details

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Cholamandalam MS Health Insurance

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Know More About Health Insurance Companies

Cholamandalam Health Insurance

Chola MS Flexi Health

Chola MS Flexi Health is a customizable health insurance plan, offering sum insured options up to INR 25 Lakh for individuals or f...

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

Newborn baby cover
Ambulance cover
Recharge benefit

Illegal activities
Alcoholism
Obesity
and cosmetic procedures

Medical second opinion
Daily care benefit
AYUSH coverage

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

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Galaxy Health Insurance

Galaxy Promise Health Plan

Galaxy Promise is a new health insurance plan from Galaxy Health Insurance, designed for younger generations in India with a uniqu...

Air Ambulance Cover
Room Rent Enhancement
Gala Fit Pro-Active Care

Unlimited restoration of SI
No co-payment
Room rent enhancement

Investigation and evaluation not covered
Dietary supplement
Unproven treatment
Alcoholism

Repatriation of mortal remains
Organ transplantation
Cashless everywhere

Min. Entry Age: 16 Days
Max. Entry Age: 65 Years
Initial Waiting Period: 24 Months
Sum Insured: Up to 1 Cr

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Top Up and Super Top Up

Galaxy Top-up Health Insurance Plan

The Galaxy Top-Up Health Insurance Plan provides an enhanced safety net over existing base health coverage, helping mitigate subst...

Get exciting discounts
Digital ICU coverage
Gala Fit benefit

Family coverage
flexibility in deductible
Digital ICU coverage.

Investigation and evaluation
cosmetic surgery
unproven treatments.

Nanotechnology covered
modern treatment
delivery expenses covered.

Entry age: 18 years
Maximum entry age: 65 years
Sum Insured: INR 5 L to 2 Cr
Waiting Period: 30 days.

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Individual and Family Health Insurance

Galaxy Twin 360

Galaxy Twin 360 is a comprehensive health insurance plan for young adults and families, offering dual coverage that combines in-pa...

Dual coverage for extended protection
All round 360 degree health benefits
Flexible coverage for individual needs

OPD benefits along with hospitalisation cover
usable benefits even in non-hospitalisation years
wellness and preventive care integration

Entry age capped at 45 years
OPD benefits have usage limits
newer insurer with limited long-term claims history

Lifelong renewability
multiple sum insured options
flexible premium payment modes
coverage for day-care and modern treatments
cashless treatment at network hospitals

Adults: 18 years to 45 years Children: 90 days to 18 years

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New India Health United India Future Generali Cholamandalam Ms Kotak Mahindra Oriental Health Acko Health Navi Health Digit Health Universal Sompo Tata Aig Bajaj General Star Health Shriram Health Insurance Company Apollo Munich Health Insurance Icici Lombard Iffco Tokio National Health Reliance Health Royal Sundaram Hdfc Ergo Sbi Health Niva Bupa Health Care Health Manipal Cigna Aditya Birla Edelweiss Health Insurance Liberty Health Magma Health Raheja Qbe Narayana Health Insurance

Expert Reviewed

Reviewed By: Raj Kumar

With over 12 years of rich experience in the BFSI domain, with a specialisation in Life and Health Insurance, I have played a pivotal role in simplifying the insurance-buying process and delivering unparalleled service.

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