Cholamandalam Ms vs Oriental 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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Oriental Health

Number of health insurance plans	No. of Plans 1 ❯	No. of Plans 5 ❯
Sum insured	Sum Insured Up to ₹ 5 Crore	Sum Insured Up to ₹ 2 Crores
Claim ratio	Claim Ratio 94%	Claim Ratio 91.62%
Network hospitals	Network Hospital 12000+	Network Hospital 4000+
Solvency Ratio	Solvency Ratio 2.18	Solvency Ratio -1.03
Pan India Presence	Pan India Presence 1500	Pan India Presence 1,000
Claim Form	Claim Form Available	Claim Form Available
Annual premium (company level)	Annual premium (company level) 1,155.97 Crore	Annual premium (company level) 9,994.44 Crore
Years in operation	Years in operation 2002	Years in operation 1947
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 90.18
Recommended Videos	▶ Cholamandalam Health Insurance Review 2025 \| Chola MS Full Details ▶ Oriental Health Insurance

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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

View plan

Oriental Health Insurance

Oriental Bank Saathi Policy

The Oriental Insurance Bank Saathi Policy is a group health insurance plan providing indemnity for medical expenses to individuals...

2 Plan Variants
Newborn Baby Cover
Modern Treatment

Maternity & newborn cover
Medical second opinion
Mental illness cover

Illegal activities
Alcoholism
Adventure sports

Tax benefits
AYUSH treatment
Modern treatments

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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Accident Health Insurance

Oriental Personal Accident Policy

Oriental Insurance's personal accident policy provides crucial financial support for individuals and families facing unforeseen ac...

Covers you globally
Optional medical cover
Accidental loss compensation

Accidental death
Injury
Permanent total disability

Obesity
Illegal activities
Cosmetic Procedures

Permanent partial disability
Temporary total disability
Worldwide accidental cover

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Individual and Family Health Insurance

Oriental Happy Family Floater Policy

Oriental Happy Family Floater Policy offers comprehensive health coverage for Indian families, with four plan options (Silver, Gol...

International Cover
Multiple Discount Benefits
E-Consultation Available

Domiciliary hospitalization
Pre and post-hospitalization
Newborn baby expenses

Illegal activities
Alcoholism and drug abuse
Obesity

Tele consultation
Telemedicine
Accidental death benefit

Min entry age: 18 Years
Max entry age: 65 Years
Initial waiting period: 30 days
Sum Insured: Up to 50 Lakhs

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Individual and Family Health Insurance

PNB Oriental Royal Mediclaim Insurance Policy

PNB Oriental Royal Mediclaim Policy offers comprehensive health insurance from Oriental Health Insurance, designed for Punjab Nati...

Individual and Family Floater
AYUSH Cover
Check the Eligibility Criteria

Covers family
High sum insured
Ambulance cover

Illegal activities
Alcoholism and drug abuse
Obesity

Pre and post-hospitalization
Multiple variants
Daily hospital cash

Min entry age: 18 years
Max entry age: 79 years
Initial waiting period: 30 days
Sum insured: Up to 10 Lakh

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Individual

Individual Mediclaim Policy

Oriental Individual Mediclaim offers affordable health insurance for individuals aged 18-65, covering hospitalization and domicili...

AYUSH Benefits Covered
Inclusions and Exclusions
Lifetime Renewability

Family discount
Voluntary co-payment
Daily hospital cash

Alcoholism and drug abuse
Obesity
Cosmetic procedures

Personal accident cover
Medical second opinion
Multiple SI options

Min entry age: 18 years
Max entry age: 65 years
Initial Waiting Period: 30 days
Sum Insured: Up to 50 Lakhs

View plan

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New India Health United India Future Generali Cholamandalam Ms Kotak Mahindra 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 Galaxy Health 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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