Cholamandalam MS General Insurance

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An eminent insurance company, Cholamandalam MS, is a joint venture between the Murugappa and the Mitsui Sumitomo Group of Japan. The company has its headquarters in Chennai and has been a strong contender in the insurance market for the past decade. The company promises its customers the three Ts, which stands for trust, technology, and transparency. Let us take a look at the various types of insurance plans that are offered by the company:

  1. Cholamandalam Car Insurance Plans
  2. Cholamandalam Two-Wheeler Insurance Plans
  3. Cholamandalam Health Insurance Plans
  4. Cholamandalam Travel Insurance Plans
  5. Cholamandalam Commercial Vehicle Insurance Plans
  6. Cholamandalam Personal Accident Plans
  7. Cholamandalam Fire Insurance Plans
  8. Cholamandalam Property Crime Insurance Plans
  9. Cholamandalam Home Insurance plans
  10. Cholamandalam Liability Insurance Plans
  11. Cholamandalam Engineering Projects Insurance Plans
  12. Cholamandalam Engineering Operations Insurance Plans
  13. Cholamandalam Marine Insurance Plans

Let us discuss these plans in detail

Cholamandalam MS Private Car Insurance Plan

It is mandated by the Indian Motor Vehicles Act,1988 for all motor vehicles to be covered by third-party liability insurance before they can come on the road. Cholamandalam MS Car Insurance offers the following:

  • Third-party Liability Insurance Policy
    The most elementary kind of insurance, third-party insurance provides cover for any damage or injury/ death to a third party or property, that is caused by your car. A third-party insurance policy is compulsory as per the law.
  • Comprehensive Car Insurance
    Comprehensive car insurance is basically a combination of third-party and own-damage cover, that covers the third-party damages/ liabilities along with the cost of repair of your own car. It also covers the damages that are caused to your own car due to man-made or natural disasters.
  • Standalone Own Damage Car Insurance
    If your car is covered with third-party insurance, you can add a standalone cover to your insurance plan. With this cover, you would be able to cover the repair costs of your vehicle caused either because of an accident or any other calamity.
  • Personal Accident Cover for Owner Driver
    Personal Accident Cover offers financial support of up to INR 15 lakhs to the policyholder/owner of the car in case of an unfortunate accidental event. In the case of physical harm to the insured person while driving the following scenarios are covered:
    1. Death
    2. Loss of limbs
    3. Permanent disability
  • Zero Depreciation Car Insurance 
    With this plan, you can widen the basic cover of your car insurance plan, without bearing the depreciation loss. You will receive a 100% cover for the car parts at the time of claim.
  • Available Add-ons for extra Coverage
    As many as 18 add-ons services are available for private cars, some of them are explained :



Waiver of Depreciation 100%No deduction of depreciation of replaced parts
EMI CoverIn case of Partial / Total / Constructive  Total Loss/theft of the car, 1 or 2 EMIs will be paid by the company
Vehicle Replacement Advantage CoverIn case of theft or total loss, you will get Invoice Value + Registration charges + Road Tax + Motor Insurance Premium payable
Roadside Assistance

Roadside Assistance Services are provided in case of Breakdown or Accident of the car
Hydrostatic Lock Plus CoverRepair or replacement of engine, parts, gear-box, a differential assembly that is caused because of waterlogging
Conveyance AllowanceA fixed amount is paid as per the chosen plan, for up to 30 days
Consumable Plus CoverCover for consumable parts such as nuts, bolts, screws, etc

Cholamandalam MS Two-Wheeler Insurance Plan

The different aspects of Cholamandalam MS Two-Wheeler Insurance have been discussed below:

  • Liability Only Insurance Policy
    Also called “Act Only Policy”, this kind of insurance is mandatory. It covers the damage or loss or injury or death to a third party or property, caused by your two-wheeler.
  • Comprehensive Bike Insurance Policy
    Also called “Package Policy”, comprehensive insurance includes third-party liabilities and own-damages to the car along with theft/fire/natural or man-made calamities. This is an optional policy.
  • Own Damage Bike Policy
    The damage or loss that your two-wheeler suffers due to accidents, natural calamities, man-made disasters, theft and transportation of the two-wheeler. This policy can be opted for if you already have third-party insurance.
  • Compulsory Personal Accident Cover
    Cover up to INR 15 lakhs for accidental death or disability of the registered owner-driver the following scenarios are covered:
    1. Death
    2. Loss of limbs
    3. Permanent disability
  • Add-ons for extra Coverage
    • Full Depreciation Waiver Cover
    • Return to Invoice Cover
    • Monthly Instalment Cover
    • Hydrostatic Lock Cover
    • Chola Value Added Services-Two Wheeler Package Policy

Other Types of Motor Insurance Plans:

  • Commercial Vehicle
  • Taxi/Cab/Auto Rickshaw Insurance
  • Truck Insurance

Cholamandalam MS Health Insurance Plans

Health insurance helps you focus on the treatment and the recovery rather than stressing over the hospitalisation expenses. With the option of cashless treatment, Cholamandalam Health Insurance Plans are indeed beneficial. 

Name of Health Insurance 

Main Features of the Plan

Cholamandalam Healthline 


  • Value
  • Freedom
  • Enrich
  • Privilege
  • Coverage for individuals as well as their family
  • Covers- Self, spouse, dependent parents, dependent children
  • Cover ranges from INR 2 lakhs to INR 25 lakhs
  • Location-based discount
  • Renewal benefits include-Annual check-up, Cumulative bonus
  • Covers - Outpatient Dental/Specs/Contact Lens/Hearing Aids
  • Discount on long-term policies

Cholamandalam Critical Health


  • Standard
  • Advanced


  • Covers cancer of specified severity
  • Covers 10 (standard plan) or 12 (advanced plan) listed critical illnesses
  • Cover ranges from INR 3 lakhs to INR 10 lakhs
  • A waiting period of 90 days from the date of purchase
  • No medical screening required till 55 years of age
  • Lifelong renewability
  • Differential rates for men and women
Cholamandalam Hospital Cash Healthline
  • Covers ICU charges
  • Convalescence Benefit
  • Family discounts available
  • Multiple variants available
  • Double Benefit for ICU Hospitalisation
  • Tax exemption under Section 80D of the Income Tax Act

Cholamandalam Super Top-up


  • Premier
  • Supreme
  • Aggregate Top-Up plan
  • Additional protection at an affordable cost
  • Covers ICU charges
  • Organ donor expenses
  • Coverage for AYUSH Treatments
  • Emergency Ambulance
  • Lifelong renewability
  • Wide range of sum insured and deductible options to choose from
Cholamandalam Personal Accident
  • Weekly Compensation
  • Modification of residence/ vehicle
  • Repatriation of Mortal Remains
  • Family Transportation Benefit Covers
  • Coverage against accidental death and permanent total/partial disability
Cholamandalam Flexi Health 
  • Flexible sum insured that ranges from INR 1 lakh to INR 25 lakhs
  • Location based premium rating
  • Sum restoration up to 100%
  • Affordable indemnity cover
  • Flexible premium payment options
Aarogya Sanjeevani
  • Standard health insurance plan
  • Available in Individual and Family Floater options
  • Family discount offered
  • No medical screening up to 50 years
  • Flexible premium payment options
Cholamandalam COVID-19 Cover
  • Lump-sum benefit on diagnosis of COVID-19
  • Daily cash benefit
  • Eligibility age 3 months to 65 years
  • No pre-policy medical screening required

Cholamandalam MS Travel Insurance

If you are an ardent traveller, it is highly recommended that you consider investing in Cholamandalam MS Travel Insurance, in case any unforeseen situation arises when you are away from home. 

Name of Travel Insurance 

Main Features of the Plan

Cholamandalam MS  Comprehensive Travel Insurance


  • Travel Plus
  • Travel Pleasure
  • Travel Delight
  • Coverage for individuals as well as their family
  • A wide range of sum insured to select from
  • Extension up to 185 days, for a single trip
  • No sub-limits for members over 60 years
  • Family discounts for more than 2 members
  • Covers loss of passport and international driving license

Cholamandalam MS Student Travel Insurance 


  • Silver
  • Gold
  • Platinum


  • Checked baggage loss
  • Personal Accident-Overseas/Domestic
  • Study Interruption
  • Sponsor Protection
  • Personal liability
  • Compassionate Visit

Cholamandalam MS Leisure Travel Insurance 


  • Silver
  • Gold
  • Annual Multi-Trip
  • Senior Citizen
  • Loss of International driving License
  • Personal Accident-Overseas/Domestic
  • Home burglary cover
  • Financial Emergency
  • Trip Cancellation/ Curtailment/ Delay
  • Hospital Daily cash

Cholamandalam MS General Insurance Premium Payment Process  

  1. Online Payment Process
    Paying premium online is a very quick and convenient process. You need to visit the official website or click: Select your insurance plan and make the payment through any of the electronic mediums.
  2. Offline payment process
    You can also physically visit the branch office and make the payment in person. Remember the premiums will be accepted through cheque/ Demand Draft or an electronic medium.

Cholamandalam MS General Insurance Claim Process

Cholamandalam MS General Insurance Claims division ensures that the customers can make their claims with least effort and most convenience. 

  1. Car and Two-Wheeler Insurance Plans
    The motor insurance claim form can be downloaded from
    • Cashless Claims
      When you take your car/bike for repair at a network garage, the company surveyor assesses the damage and you can get the vehicle repaired. The bill will be cleared by the company.
    • Reimbursement
      When you take your vehicle to a non-network garage, you would have to pay for the repair yourself, however, you can submit all the bills and receipt and claim reimbursement.
  2. Health Insurance Plans
    The health insurance claim form can be downloaded from this link: You can claim your health insurance in the following ways:
    • Cashless Claims
      When you get admitted to a network hospital, you would have to produce your Health Card and Photo ID Card at the hospital Help Desk. The TPA agent would then process the authentication. Your medical bills will then be settled by the company directly.
    • Reimbursement Claims
      When you get admitted to a non-network hospital, you would have to pay for the treatment cost yourself. However, after hospitalisation, you can claim the amount.

Cholamandalam General Insurance Policy Renewal Process

Renewal of your Chola MS insurance is easy and can be done in the following ways:

  1. Online Renewal Process
    To renew the policy online, visit the official website, or click: Go to ‘Renew’ and enter your policy details. You can make the payment through an electronic medium.
  2. Offline Renewal Process
    You can also physically visit the branch office and renew the policy with the help of a company executive. The premiums will be accepted through cheque/ Demand Draft or an electronic medium.

Cholamandalam General Insurance Expired Policy Renewal

If your insurance policy has expired, you would not be eligible to make any claims and will have to bear the expenses yourself. Not just that, you would also be risking all the discounts and bonuses that you may have collected during the past years. 

  1. Car and Two-Wheeler Insurance Plans
    To renew expired motor insurance, you would have to get a survey of the vehicle done and then you would be able to renew the policy.
  2. Health Insurance Plans
    You must get your policy renewed within the grace period of 30 days if you wish to continue the cover. Note that a claim made during the grace period is not accepted.

Cholamandalam MS General Insurance Company-Company Profile

 With its customer-centric insurance products, dealing with health, motor, travel, rural etc. Cholamandalam MS General Insurance Company is steadily making its place at the top. The company recorded an Incurred Claim Ratio of 77% in the financial year 2018-19. It has also received various prestigious awards and accolades, here is a peek:

  • The company was recognised as one of “The Economic Times Best Brand”s in 2020
  • Conferred with ‘Pride of Tamil Nadu Award’ for general insurance category for its performance, market innovation and customer service
  • Conferred with the ‘Best CSR Practice’ Award

Cholamandalam MS General Insurance Company Customer Care Details

Official Website 
Phone Number

044 4044 5400

033 4084 8600

Toll-Free Number1800 208 5544 (in India) OR +91-44-6166 3400(outside India)
Company Address 2nd Floor, "Dare House", No.2, NSC Bose Road, Chennai - 600001, India. 

Cholamandalam MS General Insurance FAQs

  • 1. Do I need to get a medical check-up before buying Cholamandalam Health Insurance Plans?

    A medical check-up is not required for buying Individual Health Line Insurance till the age of 55 years. However, a medical checkup is needed at the time of purchase of the policy if the buyer is above 55 years. In most cases, a check-up is not needed at the time of renewal.

  • 2. Will Cholamandalam Health Insurance Plans cover diagnostic charges?

    Diagnostic investigations like X-ray, MRI, Blood Tests etc. are covered by Cholamandalam Health Insurance provided the patients stay in the hospital for at least 24 hours.

  • 3. How to track my motor insurance claim?

    To track your claim, you can visit the official website, or click and go to ‘Track a Claim’. Thereafter, you need to enter your login details and you would be able to see your status. In case you do not remember your login details, you can get in touch with customer care.

  • 4. What modes of payment can be used to pay online for the Chola MS premiums and renewals?

    You can pay through the following:

           a. Credit cards
           b. Debit cards
           c. Net banking 
           d. E-Wallets
           e. UPI Payments