Cholamandalam Ms vs Universal Sompo Health Insurance 2026 | PolicyX
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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 ✎ Edit

Cholamandalam Ms

 ✎ Edit

Universal Sompo
Number of health insurance plans
Sum insured

Sum Insured

Up to ₹ 5 Crore

Sum Insured

Up to ₹ 25 Cr
Claim ratio

Claim Ratio

94%

Claim Ratio

91.58%
Network hospitals

Network Hospital

12000+

Network Hospital

4000+
Solvency Ratio

Solvency Ratio

2.18

Solvency Ratio

1.97
Pan India Presence

Pan India Presence

1500

Pan India Presence

96
Claim Form

Claim Form

Available

Claim Form

Available
Annual premium (company level)

Annual premium (company level)

1,155.97 Crore

Annual premium (company level)

5,078.45 Crore
Years in operation

Years in operation

2002

Years in operation

2007
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

61.18%
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Cholamandalam Health Insurance Review 2025 | Chola MS Full Details

▶ Cholamandalam Health Insurance Review 2025 | Chola MS Full Details

Universal Sompo Health Insurance

▶ Universal Sompo Health Insurance
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Cholamandalam Health Insurance

Most popular
Individual and Family 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

Universal Sompo Health Insurance

Most popular
Individual

Universal Sompo Eyewear Plan

Universal Sompo offers specialized eyewear insurance plans to cover vision needs like spectacles, lenses, and sunglasses. These po...

  • Special Eyewear Coverage
  • Discounts on Premiums
  • Deductibles Available
  • Fire and allied perils
  • Accidental Damage
  • Burglary including theft
  • Damage due to mishandling
  • Defect in manufacturing
  • Replacement of the spectacles/lens
  • Spectacles
  • Lenses & Sunglasses cover
  • Cover within India & Abroad
  • SI - 500 - 50000
  • Policy Term - 1 Year
  • Initial Waiting Period - Coverage from day 1
  • Plan Type - Individual/ Group
View plan
Individual and Family Health Insurance

Complete Healthcare Insurance

The Universal Sompo Complete Healthcare Policy offers comprehensive health insurance for individuals and families, covering hospit...

  • Restoration Benefit
  • Second Medical Opinion
  • 3 Variants
  • E-consultations
  • Second medical opinions
  • Vaccination
  • Daily hospital cash
  • Compassionate travel
  • Maternity benefit
  • Newborn baby cover
  • IVF not covered
  • Global coverage
  • In-patient hospitalization
  • Pre & post-hospitalization
  • Daycare procedures
  • Domiciliary care
  • Minimum: 18 years
  • Maximum: 75 years
  • Sum Insured: ₹1 L - ₹10 L
  • Initial Waiting Period: 30 Days
View plan

Health Insurance Articles

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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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