Cholamandalam Ms Flexi Health Plan
vs
Mediclaim Policy
- 100+ top health insurance plans
- Premium starting @Rs. 19/day*
- No medical check-ups required
| PLAN DETAILS |
 Cholamandalam Ms Flexi Health Plan |
 Mediclaim Policy |
| Premium Including GST | ||
| Product Type | Individual and Family Health Insurance | Individual and Family Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not Covered | Not Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Covered | Not Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | Covered |
| Hospital_network (Number of Hospital Network in city) |
12000 | 3000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Covered | Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Covered | Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Covered | Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Covered | Not Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Covered | Covered |
| Plan Entry Age | 18 to 65 years | 18 Year to no age limit |
| Plan Premium Entry Age and S/A | 3074 | 5,691 |
| Plan Waiting Period | 30 Days | 30 |
| Plan Coverage | - | - |
| Plan Sample Premium | 3074 | 5,691 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1,2,3 Years | 1 Year |
| ICU Charges | Covered | Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Covered | Covered |
| Automatic Restoration | Covered | Not Covered |
| Ayush Treatment | Covered | Covered |
| Modern Treatment | Not Covered | Covered |
| E Consultation | Not Covered | Not Covered |
| Air Ambulance | Not Covered | Not Covered |
| Global Coverage | Not Covered | Not Covered |
| Claim Ratio | 93.63 | 90.73 |
| Solvency Ratio | 2 | 1.8 |
Chola Flexi Health is an insurance plan that molds itself around your life. You can personalize your sum insured, premium payment mode, and tenure under the policy. The product also covers you for alternate treatments besides allopathy. Chola Flexi health insurance offers a wide range of sum-insured options up to INR 25 lac for self, spouse, children, dependent parents, dependent parents-in-law, and dependent siblings on an Individual sum-insured basis. A family floater basis policy can be availed for Primary Insured, Spouse, and Children up to a maximum of 6 members. The plan is designed in a way to give customers better control over their insurance plan by providing additional coverage options like
The entry age for adults to purchase Chola MS flexi health is 18 years to 65 years, dependent children can be covered from as early as 3 months to 26 years.
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