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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.
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
- Newborn baby cover
- Ambulance cover
- Recharge benefit
12,000+ cashless hospitals
Find a Cholamandalam Health Insurance network hospital near you. Direct billing — no out-of-pocket payment at admission.
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.
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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
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Written and reviewed by
PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.
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