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Chola MS Health Insurance offers a comprehensive range of health insurance plans designed to meet the diverse healthcare needs of individuals, families, senior citizens, and customers seeking top-up or critical illness coverage. Offered by Cholamandalam MS General Insurance Company Limited, these plans provide financial protection against rising medical expenses while ensuring access to quality healthcare. With a network of 13,500+ cashless hospitals across India and coverage of up to ₹5 crore, policyholders can receive timely treatment without worrying about large out-of-pocket expenses. From routine hospitalisation to major medical expenses, Chola Health Insurance combines comprehensive coverage with digital policy servicing and quick claim support.
Cholamandalam MS General Insurance Company Limited was established in 2001 as a joint venture between the Murugappa Group and Mitsui Sumitomo Insurance Company Limited (MSIG), Japan. Registered with the Insurance Regulatory and Development Authority of India (IRDAI Registration No. 123), the company offers a wide range of health insurance solutions, including individual, family floater, senior citizen, top-up, and critical illness plans. Its flagship offerings include Flexi Health, Flexi Health Supreme, Healthline, and Arogya Sanjeevani Policy, with sum insured options ranging from ₹50,000 to ₹5 crore. The insurer also provides digital policy servicing through the Chola MS App, online claim registration, policy renewal, and access to 13,500+ cashless network hospitals across India.
Coverage up to ₹5 Crore: High sum insured available under Flexi Health Supreme.
13,500+ Cashless Network Hospitals: Wide hospital network across India.
90% Cashless Claims Settled Within 45 Minutes: Faster approval for eligible cashless claims.
Unlimited Sum Insured Restoration: Up to 100% restoration under Flexi Health Supreme.
No Room Rent Capping: Available under the Flexi Health plan.
36-Month PED Waiting Period: Applicable across major health insurance plans.
Health Check-ups: Available once every 2 years under eligible plans.
Additional Accident Cover: Extra sum insured for eligible road traffic accident claims.
Chola MS App: Buy, renew, manage policies, track claims, and locate network hospitals.
| Plan Name | Suitable For | Key Highlight |
|---|---|---|
| Flexi Health Supreme | Individuals and families seeking comprehensive coverage | Sum insured from ₹5 lakh to ₹5 crore with unlimited restoration, global hospitalisation, maternity cover, infertility treatment, and no room rent restrictions under eligible variants. |
| Flexi Health | Individuals and families | Sum insured from ₹50,000 to ₹25 lakh with recharge benefit, no room rent cap, family floater option, and flexible policy tenures. |
| Chola Healthline | Individuals and families looking for flexible coverage | Available in Value, Freedom, Enrich, and Privilege variants with sum insured ranging from ₹2 lakh to ₹25 lakh. |
| Arogya Sanjeevani Policy, Chola MS | Individuals and families | Standard health insurance policy with IRDAI-prescribed benefits and coverage. |
| Super Top-Up Plan | Existing policyholders seeking additional coverage | Provides higher health insurance coverage above the selected deductible amount. |
| Critical Healthline Insurance | Individuals seeking critical illness protection | Pays a lump sum benefit on the diagnosis of covered critical illnesses. |
| Hospital Cash Plan | Individuals looking for fixed daily hospital cash benefits | Provides a fixed daily cash allowance during eligible hospitalisation. |
Chola Health Insurance offers plans for different age groups and healthcare requirements. Eligibility may vary depending on the selected policy.
Individuals: Adults looking for standalone health insurance coverage.
Families: Family floater plans that cover self, spouse, children, and dependent parents under a single policy.
Senior Citizens: Dedicated health insurance options for individuals aged 60 years and above.
Children: Dependent children can be covered under eligible family floater policies from 91 days onwards, depending on the plan.
Customers Seeking High Coverage: Flexi Health Supreme offers sum insured options of up to ₹5 crore.
Customers Looking for Top-Up Coverage: Super Top-Up plans help enhance an existing health insurance policy at a lower premium.
Critical Illness Protection Seekers: Critical Healthline Insurance provides a lump sum benefit upon the diagnosis of covered critical illnesses.
Chola Health Insurance offers optional benefits under eligible plans to enhance your health insurance coverage.
Maternity Cover
Newborn Baby Cover
Infertility Treatment Cover
Consumables Cover
Recovery Benefit
Daily Hospital Cash Benefit
Additional Sum Insured for Road Traffic Accidents
Global Hospitalisation Cover
Recharge Benefit
Unlimited Restoration Benefit (Flexi Health Supreme)
Chola MS Health Insurance combines flexible coverage options with customer-centric benefits, making it suitable for first-time buyers as well as those looking to upgrade their existing health insurance.
Choose from individual, family floater, senior citizen, top-up, and critical illness plans based on your healthcare needs.
Plans such as Flexi Health Supreme are available in multiple variants with optional benefits, allowing you to tailor coverage to your budget and medical requirements.
Eligible plans include benefits such as maternity, infertility treatment, global hospitalisation, home care, recovery benefit, and mental wellness support.
Buy, renew, service your policy, register claims, and locate network hospitals through their official website and mobile app.
Backed by the Murugappa Group and Japan's Mitsui Sumitomo Insurance Company (MSIG), bringing together domestic expertise and global insurance experience.
Whether you're buying your first health insurance policy, covering your family, planning for your parents, or looking for additional protection through a top-up plan.
Buying a Chola MS Health Insurance policy through Coverfox is a quick online process that helps you compare plans and choose the right coverage for your needs.
Step 1: Share Your Details
Enter your age, city, and the members you want to insure.
Step 2: Compare Chola MS Health Insurance Plans
Review available plans, coverage options, premiums, and benefits to find the most suitable policy.
Step 3: Customise Your Policy
Choose the sum insured, policy tenure, and optional covers based on your healthcare requirements.
Step 4: Complete the Proposal Form
Provide the required personal, nominee, and medical details for policy issuance.
Step 5: Make the Payment
Pay the premium securely through Coverfox.
Step 6: Receive Your Policy
Once your proposal is approved, your Chola MS Health Insurance policy is issued digitally.
If you're unsure which Health Insurance plan best suits your needs, simply share your details on Coverfox. One of our insurance experts will contact you, explain the available options, answer your questions, and help you choose the right coverage.
Chola MS Health Insurance provides access to 13,500+ cashless network hospitals across India, allowing policyholders to receive cashless treatment for eligible medical expenses. The insurer also offers an online hospital locator through its website and mobile app to help customers find nearby network hospitals.
Visit Coverfox and navigate to the Health Insurance section.
Click on Network Hospitals.
Select Chola MS Health Insurance from the list of insurers.
Enter your State and City.
Browse the list of Chola MS network hospitals available in your location.
Choose a hospital to avail cashless treatment under your policy.
Policyholders can contact Chola MS Health Insurance through the following channels for policy servicing, claim assistance, renewals, and other support.
Customer Care (Health & Other Products): 1800 208 9100
Call to Buy: 022 6986 9000
WhatsApp Support: +91 73052 34433
Customer Care Email: customercare@cholams.murugappa.com
Chola MS App: Buy and renew policies, register and track claims, access policy documents, and locate cashless network hospitals.
Disclaimer: The information provided on this page is for general informational purposes only and is based on publicly available information and official Chola MS policy documents available at the time of publication. Coverage, benefits, premiums, exclusions, waiting periods, and policy terms may vary by plan. Please refer to the official policy wording before purchasing, renewing, or filing a claim.
Yes. Chola Health Insurance offers cashless hospitalisation at 13,500+ network hospitals across India, subject to the policy terms and conditions.
Coverage includes in-patient hospitalisation, pre- and post-hospitalisation expenses, day care procedures, AYUSH treatment, organ donor expenses, ambulance charges, and other benefits depending on the selected plan.
Key benefits include coverage of up to ₹5 crore, cashless treatment at 13,500+ hospitals, unlimited restoration under eligible plans, no room rent capping in Flexi Health, and digital policy servicing through the Chola App.
Yes. Pre-existing diseases are covered after the applicable waiting period, which is generally 36 months, subject to the selected policy.
Yes, they offer health insurance plans suitable for senior citizens. Entry age and eligibility criteria vary depending on the chosen plan.
Yes. Policyholders can avail cashless treatment at Chola MS's network hospitals located across India, provided the treatment is covered under the policy.
Yes. Eligible day care procedures that do not require 24-hour hospitalisation are covered, subject to the terms of the policy.
The premium depends on factors such as the age of the insured, sum insured selected, policy type, family size, medical history, location, add-on covers, and policy tenure.
Yes. Premiums paid towards eligible Health Insurance policies qualify for tax deductions under Section 80D of the Income Tax Act, subject to applicable tax laws.
Chola MS states that 90% of eligible cashless claims are settled within 45 minutes. Actual settlement time may vary depending on the claim and documentation.
Most Chola MS Health Insurance plans have a 30-day initial waiting period, a 36-month waiting period for pre-existing diseases, and separate waiting periods for specified illnesses, as mentioned in the policy wording.
You can check your policy details by logging into the Chola MS App or the customer portal on the Chola MS website. Alternatively, you can contact customer care for assistance with your policy details and servicing.
