Cholamandalam MS Health Insurance

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Cholamandalam MS Health Insurance - Brief Overview 

Cholamandalam MS General Insurance is a private health insurance provider. The company is a joint venture between the Murugappa Group of India and Japan’s Mitsui Sumitomo Insurance Group. The company offers a number of general insurance products, including some top-notch health plans. The plans are available for individuals as well as for all members of a family. The plans are very affordable and so finding a good medical insurance cover becomes simple. Cholamandalam MS Health Insurance has an impressive website and so one can buy and renew their health insurance policies online in a fast and easy way. 

Most Popular Cholamandalam MS Health Insurance Plans

Here’s a list of some of the most popular health insurance policies from Cholamandalam MS Health Insurance:

Name of PlanBrief Description
Chola Healthline
  • This is one of the most popular health plans from Chola MS Health Insurance.
  • It is a comprehensive family health insurance plan that offers coverage for inpatient care, pre and post-hospital care, daycare covers, etc.
  • You can have a maximum sum insured of INR 25 lakhs when you buy this plan.
  • People under the age of 55 years do not need to undergo a pre-policy health test.
  • Anyone between the age of 18 and 65 can get enrolled in this excellent health insurance policy.
Aarogya Sanjeevani Policy
  • This is another excellent health insurance plan available for the entire family.
  • You can buy this cover that offers comprehensive health coverage including daycare costs, COVID 19 protection, etc.
  • A unique feature of this plan is that you can include your parents and also your parents-in-law in this policy.
  • You can get a maximum sum insured of INR 5 lakhs.
Chola MS Flexi Health Insurance Policy
  • The Chola MS Flexi Health Insurance Policy is a very popular health plan that offers covers such as a personal accident cover, organ donation expenses and domiciliary health care.
  • These covers are available in addition to the regular inpatient, and pre & post-hospital covers.
  • The sum insured gets restored to 100% of the original sum when the amount is exhausted after a claim.

Benefits of Cholamandalam MS Health Insurance Plans

There are many benefits you get when you buy health insurance from Chola MS. They include:

  • There are  7,240 + network hospitals associated with Cholamandalam MS Health Insurance. This makes it very simple for you to find a network hospital when there is a requirement due to an illness or accident. You can opt for cashless claims in these hospitals, which is an added benefit.
  • You get tax benefits when you buy a health plan from Cholamandalam MS Health Insurance. The tax rebates are available under Section 80D of the Indian Income Tax Act.
  • You can get double coverage under the Cholamandalam MS Health Insurance for critical illnesses and accidents.
  • There are no room rent caps in the health plans from Chola MS.
  • Lifelong renewals are provided for all the medical insurance policies of Cholamandalam MS Health Insurance.
  • As a customer of Cholamandalam MS Health Insurance, you get the no-claim bonus benefit if you do not make any claim in a complete policy period.
  • There are many comprehensive covers available under the health plans from Cholamandalam MS Health Insurance.

What is Covered in Cholamandalam MS Health Insurance Plans? 

What are the exact covers that you get when you buy a mediclaim policy from Cholamandalam MS Health Insurance? Here is your answer:

  • Hospital Cover - You get all your inpatient expenses reimbursed when you have a Chola MS Health Insurance plan. This is a very good advantage as you get covers for room rent, physician expenses, surgery costs, diagnostic tests and all other expenses incurred when you get admitted to a hospital for surgery or due to an illness. This cover is available at the network as well as non-network hospitals.
  • Pre-hospital Cover - You can get your pre-hospital expenses covered. If you require medical assistance before 30/60 days getting admitted to the hospital, you can get the costs covered under the Chola MS Health Insurance policies.
  • Post-hospital Cover - Every policyholder can seek coverage for post-hospital medical costs. This helps you to recuperate in a better and more wholesome manner. Your post-hospitalization expenses of up to 60/90 days from the date of discharge are covered.
  • Domiciliary Cover - You can get compensation for domiciliary care, which is nothing but home healthcare. This is an important and very necessary cover that you get under the medical insurance plans of Cholamandalam MS Health Insurance. 
  • Daycare Cover - You also get the daycare treatment cover under these health plans. There are more than 100 day care procedures covered here, which include cataract operations and dialysis among others. 
  • Critical Illness Cover - If you are diagnosed with a critical illness, you can get a separate sum assured. You can use this money for any purpose as there is no restriction on it.
  • Accident Cover - Personal accident covers are available under the Cholamandalam MS Health Insurance plans. In fact, these covers are one of the most popular covers available from this insurance provider.
  • Ayush Cover - If you want to seek alternative medical treatments, such as Ayush treatment, you can make a claim on your Cholamandalam MS Health Insurance policy. This is another cover that is provided to the Chola MS policyholders.
  • Ambulance Cover - One of the very important covers that you get under a Cholamandalam MS Health Insurance plan is the ambulance cover. You can get your ambulance expenses reimbursed when you have a plan from this medical insurance company.

These are the main covers available under the Cholamandalam MS Health Insurance plans. However, every single plan has a specific set of covers and you need to go over the policy wordings to understand what kind of a health insurance claim you can make under your Cholamandalam MS Health Insurance policy.

What is not Covered in Cholamandalam MS Health Insurance Plans? 

There are some exclusions mentioned under the medical insurance plans from Chola MS. These include:

  • Self-harm or attempted suicide
  • Injury or illness due to substance abuse, including alcohol and drug abuse
  • Ailments stemming out of pre-existing disorders
  • Claims made before the lapse of the waiting period
  • Congenital illnesses and sexually transmitted diseases such as AIDS/HIV
  • Dental procedures, treatments and surgeries
  • Cosmetic procedures, treatments and surgeries
  • Experimental treatments carried out on the policyholder, and any complications resulting from them.
  • War, invasion, acts of foreign enemies, insurrection, etc.

If you require hospitalisation due to any of the above-mentioned reasons, you will not be able to make a successful claim on your health insurance policy.  

How to Buy a Cholamandalam MS Health Insurance Plan? 

If the benefits and covers of the Cholamandalam MS Health Insurance plan interest you, consider getting a good health plan from this company. Here are some ways in which you can get your hands on the best Cholamandalam MS Health Insurance plan:

  1. Buying Directly from the Company - Your first option is to buy the plan directly from the company. You can walk into any branch of Cholamandalam MS Health Insurance and get any health insurance plan of your choice. Fill in the application form, pay the premium and you will get your health cover.
  2. Buying from an Insurance Agent - You can also buy the health plan from a Cholamandalam MS health agent. The agent will charge a brokerage and in return, will tell you about the different policies and help you choose the plan that is best suited for you. The agent will also deposit the premium cheque on your behalf. He or she may even assist you at the time of a claim or when you need to renew the medical insurance cover.
  3. Buying from the Company Portal - Cholamandalam MS Health Insurance has a very advanced and easy-to-use website. You can buy the health plan of your choice directly from the website of the insurance provider. Read the policy brochure and get the plan of your choice.
  4. Buying from an Insurance Aggregator - There are some very good insurance aggregator websites that sell the Cholamandalam MS Health Insurance plans. You can run a quick comparison, find your ideal plan, pay the health insurance premium and get the plan issued in your name.

As you can see, there are many ways in which you can purchase a medical insurance cover from Chola MS. Choose the option that suits you and get a good mediclaim plan right away. 

The Renewal Process of Cholamandalam MS Health Insurance Plans

It is very simple to renew the Cholamandalam MS Health Insurance plans. There are again multiple options through which this can be done:

  • Online - You can renew the Cholamandalam MS Health Insurance plan online from their official website. It is a quick and simple process. You need to enter your policy number, access our plan, pay the premium and your coverage will be renewed instantly.
  • Through your Agent - You can also renew the medical insurance policy via your insurance agent. Inform the agent about your desire to renew. He will help you with the paperwork and will deposit the renewal cheque on your behalf and your insurance coverage will be renewed.
  • By Visiting a Branch - The renewal process can also be done physically. You need to walk into any branch of Cholamandalam MS and renew your mediclaim plan instantly.

The renewal process is quite simple. You should not delay renewing your plan, as a lapsed health cover will be of no use to you.

Other popular Plans from Cholamandalam MS Health Insurance

Name of PlanBrief Description
Chola MS COVID-19 
  • This is a family health insurance plan that is specifically designed to offer protection for all Coronavirus related ailments.
  • The plan is available on an individual, as well as a floater basis.
Cholamandalam MS Critical Healthline Policy
  • The Critical Healthline plan is a critical illness plan that offers coverage against 12 critical illnesses including cancer and stroke.
  • You can opt for a maximum sum insured of INR 10 lakhs under this policy.
Super Top Up PlanNext, we have the Super Top Up Health Plan. As the name suggests, this is a top-up health plan that allows you to increase your health insurance coverage in an affordable manner. 
Hospital Daily Cash
  • The Hospital Daily Cash Plan offers a fixed sum of money for each day you spend at the hospital.
  • The cash allowance is given to help you take care of matters such as nursing expenses, pharmacy bills, etc.
Personal Accident Plan
  • The Chola MS Personal Accident plan offers compensation for death or disability resulting due to an accident.
  • You can opt for a maximum sum insured of INR 1 crore under this policy.

The Claim Process of Cholamandalam MS Health Insurance Plans

There are two types of claims available under the Cholamandalam MS Health Insurance plans. 

Cashless: You can opt for the cashless claims or the reimbursement claims. If you go in for the cashless claims, you need to start by getting admitted in a network hospital. There are almost 7,240 network hospitals across India that are affiliated to Cholamandalam MS Health Insurance. You need to inform the insurance provider at least 48 hours before you get admitted. If it is an emergency, you need to inform the insurance company within 24 hours. You need to submit a pre-authorisation claim to the hospital.

Reimbursement: For a reimbursement claim, you need to pay the bill at the hospital and get discharged. Then you need to submit the claim form and the bills to the insurance provider and get the amount reimbursed. This happens primarily if you get treated at a non-network hospital. The documents needed include:

  • Discharge summary
  • The claim form which is properly filled and duly signed
  • Copy of policy document
  • Original hospital bill
  • Doctor's prescription stating the reason for hospitalisation
  • All physicians’ prescriptions such as the surgeon’s prescription, anaesthetist's prescription, etc
  • Reports of all diagnostic tests
  • FIR, if available

Cholamandalam MS Health Insurance Contact Information

Toll-free number1800-208-5544 is the toll-free number for you to call in with your queries.
Email If you want to send an email to the company, you can write in at :

If you want to post a grievance or complaint, the address is:

No. 102A, Ground Floor Leela Business Park, Marol, Andheri East, Mumbai, Maharashtra 400059.

Branch locatorCare to visit a branch of the company?  Locate the nearest one here.

Cholamandalam MS Health Insurance Review

Cholamandalam MS Health Insurance is a big and well-known health insurance company in the country. The company has won many awards and accolades that consist of Best Insurance Company for “Overall Performance”. The company takes care of its customers and has set up a very good and interactive customer support cell. Chola MS is also famous for offering a few of the most wholesome mediclaim insurance policies at very reasonable prices. It is easy to settle claims as well. These factors tell us that Cholamandalam MS Health Insurance is very trustworthy and their health insurance policies are always in demand.

Cholamandalam MS Health Insurance FAQs

  • 1. What is the incurred claim ratio of Cholamandalam MS Health Insurance Company?

    The incurred claim ratio of Cholamandalam MS Health Insurance is 35%. This is a satisfactory figure. If you have all your documents in place and your claim is legitimate, the claim will be processed smoothly without any hassles whatsoever.

  • 2. What is the claim process in Cholamandalam MS Health Insurance?

    If you have a cashless claim, you need to inform the insurer and then the TPA at the hospital. It is a quick and easy process. For a reimbursement claim, you need to submit the claim form to the insurance provider along with all the documents needed. The insurer will verify the claim and once found suitable, will reimburse the amount.

  • 3. Does Cholamandalam MS Health Insurance have a good customer support cell?

    Yes, the company has a very good and efficient customer support cell that you can reach out to if you have any problems related to your health insurance cover.

  • 4. Are family health plans available from Cholamandalam MS?

    Cholamandalam MS Health Insurance sells both individuals as well as family health insurance plans at very reasonable rates.

  • 5. Can I get insurance for CoronaVirus?

    Yes, Coronavirus covers are available currently under the mediclaim plans from Cholamandalam MS Health Insurance.

  • 6. Does the company sell health insurance online?

    You can easily and quickly buy a Cholamandalam MS Health Insurance plan online. The purchase can be made on the company’s official website or through the website of a reliable insurance aggregator.

  • 7. What is the renewal process for Cholamandalam MS Health Insurance policies?

    It is very easy to renew the health plans from Chola MS. You can renew the plans online. Else, you can visit any branch office of the company and get it renewed there as well. Alternatively, you could ask your insurance agent to help you with the renewal as well.

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