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Cholamandalam Health Insurance Review 2025 | Chola MS Full Details
Cholamandalam Health Insurance
Cholamandalam Health Insurance
Chola MS General Insurance Company Limited is a joint venture between the Murugappa Group and Mitsui Sumitomo Insurance ...Read More
12,000+
Cashless hospitals
94%
Claim settlement
5 Crore
Max sum insured
1
Active plans
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,696 reviews
🏥 12,000+ hospitals
📊 2.18x solvency ratio
✅ 94% claim settlement
What you get with Cholamandalam Health Insurance
The headline features and policy mechanics, at a glance.
Sum insured up to 5 Crore
Coverage scales from entry-level individual plans to high-end family-floater protection.
12,000+ cashless hospitals
Direct billing at network hospitals across 1500 presence — no out-of-pocket payment at admission.
94% claim settlement
Industry-leading approval rate on eligible claims received in the most recent fiscal year.
2.18x solvency ratio
Well above IRDAI's 1.5× floor — strong indicator of long-term claim-paying ability.
1 active plans
Choose from individual, family floater and senior-citizen variants to match your household.
About Cholamandalam Health Insurance
A quick overview of the insurer — parent group, brand history, and where they sit in the Indian health-insurance market.
Cholamandalam Health Insurance Company
In 2001, the Murugappa Group of India and Mitsui Sumitomo Insurance Company from Japan formed Chola MS General Insurance Company. Today, Cholamandalam Health Insurance operates through 189 office branches nationwide and over 30,000 intermediaries. Their T3 philosophy, standing for Trust, Transparency, and Technology, is a core principle. Their main aim is to protect customers from rising healthcare expenses.
What Does Cholamandalam Health Insurance Company Do?
Cholamandalam Health Insurance is a prominent health insurance company. It provides financial coverage for health conditions and expenses. It offers various health insurance products across India. You can choose the best health insurance policy by visiting the official website.
Key Figures:
- 12000+ Network Hospitals
- 1,27,000+ Claims Settled (FY 2023-24)
- 94% Claims Settlement Ratio
- Sum Insured: Up to 5 Cr
- 24X7 Customer Support
Key Features of Cholamandalam Health Insurance:
- 70-minute cashless claim processing
- Direct claim assistance (without TPA involvement)
- Versatile health insurance solutions
Cholamandalam Health Insurance: Awards and Accolades
- The Economic Times Best Brands 2020' Award
- Golden Peacock Award - Risk Management
- Pride of Tamil Nadu Award for BFSI Sector
- Dream Companies to Work in the Private Insurance Sector in 2017
- Best CSR Practices
Why Choose Cholamandalam Health Insurance?
Quick Overview
Cashless Claim Settlement: 70 minutes Minimum Entry Age: 3 months Maximum Entry Age: 65 years Sum Insured: Up to Rs. 5 Crore Network Hospitals: Over 12000 Tax Benefits: Up to INR 1 Lakh Solvency Ratio (2023-24): 1.79 Claim Settlement Ratio (2024-25): 94% Ambulance Expenses: Covered Coverage for Acci
Cholamandalam Health Insurance Plans
Cholamandalam Health Insurance offers customized and comprehensive health plans.
Individual Plans
Cholamandalam Health Insurance offers several types of individual plans. These plans offer coverage for one person only.
Family Floater Plans
Family floater plans are specifically designed for people having a family. You can consider this plan if you want to secure your spouse, kids, and parents under one plan.
Senior Citizen Plans
These plans are specifically designed for people aged 60 and above. The premiums of these plans might be high but offer complete coverage.
Top-Up Plans
Top-up plans provide additional coverage when your normal health insurance plan's sum insured is exhausted.
Why Buy Health Insurance Online?
Buying a health insurance policy online from PolicyX or directly from the company offers several benefits:
Easy to Compare:
Online platforms give access to compare different health plans in one place. You can pick the right one for you while comparing the premiums.
Buying Insurance within 5 minutes:
On an online platform, you can choose and buy your policy within 5 minutes, without any extra hassle.
24*7 Customer Service:
Experts are always at your service. You can contact them anytime to clear your doubts.
Instant Quote:
With online accessibility, you can get quotations with just one click. You can collect several quotes and choose the right one for you.
Choose Cholamandalam Health Insurance Coverage of Your Choice
Select a sum insured option below to compare health plans matching your coverage need.
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences, and a recommendation on who should buy.
Cholamandalam Health Insurance
All 1 Cholamandalam Health Insurance plans
Every plan currently being sold by Cholamandalam Health Insurance, shown side-by-side so you can shortlist quickly.
Chola MS Flexi Health
Chola Flexi Health is an insurance plan that adapts to your life. You can personalize your sum insured, premium payment mode, and tenure un…
- Newborn baby cover
- Ambulance cover
- Recharge benefit
What's covered — and what's not
The standard inclusions and exclusions across Cholamandalam Health Insurance plans. Specific plans may add benefits — always check the policy wording before purchase.
✓ Inclusions
- Cholamandalam Health Insurance plans cover pre and post-hospitalization expenses related to in-patient hospitalization, understanding the impact of rising medical costs.
- Most Cholamandalam Health Insurance plans include coverage for alternative treatments like Ayurveda, Unani, Siddha, and Homeopathy (AYUSH).
- Cholamandalam health insurance plans cover hospital expenses such as room rent, ICU charges, surgery, and doctor consultations.
- Many Cholamandalam health insurance plans cover daycare procedures that do not require 24-hour hospitalization.
- Upon a doctor's recommendation, policyholders can avail medical care at home. Cholamandalam health insurance plans cover domiciliary hospitalization up to specified sub-limits.
✗ Exclusions
- Cholamandalam health policies do not cover injuries or hospitalization caused by self-harm.
- Cholamandalam Health Insurance plans do not cover cosmetic surgeries or treatments.
- Cholamandalam Health Insurance plans do not cover hospitalizations or accidents resulting from adventure sports.
- Cholamandalam Health Insurance plans generally do not cover treatments related to obesity and weight management, such as bariatric surgeries.
- Cholamandalam health insurance plans do not cover hospitalization or injuries resulting from unlawful activities.
Documents required
For policy purchase and claim submission. Have these ready before you start.
- Duly completed and signed claim form, in original
- Valid photo-ID proof
- Medical practitioner's referral letter and prescription
- Original bills, receipts, and discharge cards from the hospital/medical practitioner
- Original bills from pharmacy/chemists
- Original pathological/diagnostic tests reports/radiology reports and payment receipts
- Indoor case papers
- First Information Report, final police report, if applicable
- Post-mortem report, if conducted
- Any other document as required by the company to assess the claim
Waiting periods
When specific benefits become claimable after policy start.
What Are the Different Waiting Periods in Cholamandalam Health Insurance Plans?
Initial Waiting Period
This period begins from the date of policy purchase and typically lasts for up to 30 days for most Cholamandalam Health Insurance plans.
Pre-existing Disease Waiting Period
Cholamandalam Health Insurance plans require specific waiting periods for pre-existing diseases (PEDs) such as hypertension, diabetes, or other conditions.
Survival Period
Similar to waiting periods, Cholamandalam health insurance plans with critical illness coverage include a survival period. During this time, policyholders diagnosed with a listed critical illness must survive for a specified duration to receive coverage benefits.
12,000+ cashless hospitals
Find a Cholamandalam Health Insurance network hospital near you. Direct billing — no out-of-pocket payment at admission.
Buy, claim, renew, port — step-by-step
Step-by-step guides for the four moments that matter most in your policy lifecycle. Click a tab to switch.
To purchase Cholamandalam Health Insurance online, follow these simple steps:
- Step 1
Visit the PolicyX health insurance page and enter your details such as name, age, number of members to be covered, and city.
- Step 2
Click on 'Get free quotes' and compare Cholamandalam Health Insurance plans as per your needs.
- Step 3
Select your preferred Cholamandalam health insurance plan and pay premiums online.
- Step 4
Our team of insurance experts at PolicyX will provide assistance with claims and other queries post-purchase of your Cholamandalam Health Insurance plan.
You can file for both cashless and reimbursement claims for your Cholamandalam Health Insurance plans by following these easy steps:
- Step 1
Visit the official website of Cholamandalam Health Insurance.
- Step 2
Click on the 'Claims' button, then select 'Health Claims'.
- Step 3
Select either 'Claim Submission' or 'Claim Intimation'.
- Step 4
Fill in details under 'Individual Claim' if you are filing a claim for yourself or your family.
- Step 5
Provide details such as Policy Number and Date of Birth for the patient.
- Step 6
Finally, submit all necessary documents required by the insurer for a hassle-free claim process.
Follow these steps for Cholamandalam Health Insurance policy renewal:
- Step 1
Visit the official website of Cholamandalam Health Insurance Company.
- Step 2
Click on the 'Renew' tab.
- Step 3
Enter your 'Policy Number' and 'Date of Birth'.
For assistance with Cholamandalam health insurance policy renewal, connect with our insurance experts at 1800 - 4200 - 269.
Frequently asked questions
The 12 most-asked questions about Cholamandalam Health Insurance, answered.
The plan offers a waiting period of 90 days.
Yes, Cholamandalam MS Insurance allows its customers to cancel their policy. The company ceases the cover from the date of cancellation of the policy. The premium amount is refunded for the cancellation done in a short period. For more details, refer to the specific plan brochure.
No, free health checkup is available once after every two claim free renewals.
Yes, the company allows foreigners living in India to buy health insurance policies. However, the coverage is restricted to ailments/accidents within India and hospitalization happens within India.
Customers can log in at the e-card portal available at the company’s website in order to track the status of their claim.
Under this plan, no pre-policy medical check-up is applicable.
No, there is no particular Chola MS health plan for children but they can be covered under various health plans of Chola MS with their parents.
Yes. Chola MS Group Health Insurance offers family-floater health insurance plans. Chola Healthline is a popular family health insurance plan offered by the company.
Yes, you can check the policy status by login into the official website.
The following criteria are used to determine the premium amount for the Cholamandalam mediclaim policy: Gender Age Sum Insured amount
Policyholders can renew their policy via an online or offline medium. For offline medium, visit the nearest branch of the company and submit the renewal form along with the cheque of the premium amount. For the online renewal process: Visit the official website of the company. Log in with your Login ID and password. Pay your premium amount.
Some Cholamandalam health insurance plans cover dependent siblings. Check the terms and conditions of the plan If you want to cover your siblings under the policy.
Compare Health Insurance Companies
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Customer satisfaction
Aggregate ratings from 2,696 verified PolicyX customers who bought a Cholamandalam Health Insurance plan.
Health Insurance Premium Calculator
PolicyX.com premium calculator offers premium comparison for some of the best health plans in India. Input your details and find the most suitable health insurance policies for your requirements.
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PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.
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