Chola MS Flexi Health Insurance Plan - Benefits, Eligibility and Coverage
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Cholamandalam Health Insurance Cholamandalam Health Insurance ★ 4.4

Chola MS Flexi Health

A personalized health insurance plan by Cholamandalam Health Insurance ...Read More

Up to 5 Crore
Sum insured
1
No. of plans
1500+
Pan India presence
94%
Claim settlement ratio
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🛡️ IRDAI Approved
⭐ 4.4/5 · 2,696 reviews
🏥 12,000+ hospitals
📊 2.18 solvency ratio
✅ 94% claim settlement

A personalized health insurance plan by Cholamandalam Health Insurance with a flexible sum insured ranging between INR 1 Lakh to INR 25 Lakh. It is an ideal plan for young individuals and families.

Why Do We Recommend This?

  • Restoration benefit available
  • Recharge Benefit available
  • Medical second opinion covered

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
18 to 65 years
Plan type
Individual and Family Health Insurance
Waiting period
30 Days
Renewability
Lifelong
Policy term
1,2,3 Years

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • Newborn baby cover
  • Ambulance cover
  • Recharge benefit

Cons

  • Illegal activities
  • Alcoholism
  • Obesity and cosmetic procedures

What's covered

A quick look at what this plan covers — and what it doesn't.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Covered
  • Day-care treatment Covered
  • OPD charges Not covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Covered
  • Daily hospital cash Covered

Family & special care

  • Maternity cover Not covered
  • New-born baby cover Covered
  • IVF treatment Not covered
  • AYUSH treatment Covered
  • Organ donor expenses Covered

Modern & preventive care

  • Modern treatment Not covered
  • Road ambulance Covered
  • Air ambulance Not covered
  • E-consultation Not covered
  • Health check-up Covered
  • Second medical opinion Covered
  • Vaccination Not covered

Conditions & global

  • Co-payment Covered
  • Sub-limits Covered
  • Compassionate travel Covered
  • Global coverage Not covered

Video reviews

Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.

Star Flexi Health Insurance | Best Star Health Insurance plan | Star Health Insurance plan 2025

Star Flexi Health Insurance | Best Star Health Insurance plan | Star Health Insurance plan 2025

Cholamandalam Health Insurance

Cholamandalam Health Insurance

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Min entry age: 18 Years
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to INR 25 Lakh

Frequently Asked Questions

The 5 most-asked questions about Chola MS Flexi Health, answered.

There are certain sub-limits applicable to room rent and emergency road ambulance under the Chola MS Flexi Health Insurance as per the policy schedule.
The eligibility criteria under Chola MS Flexi Health Insurance are given below Adults - 18 to 65 years Dependent Children - 03 months to 26 years
The Chola Flexi health insurance offers a wide range of sum insured options to its customers ranging from 2 to 25 Lacs and can be customized as per the requirements of the customer.
No, customers can not avail of medical coverage internationally under Chola Flexi health insurance. The cover is only applicable in India.
Under Chola Flexi Health Insurance relationships covered are mentioned below Self Spouse Children Dependent Parents Dependent Parents-in-law Depdent siblings

Conclusion

Flexi Health is a customizable health insurance plan that allows you to adjust coverage, premium, an

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Naval Goel — Founder & CEO, PolicyX.com Reviewed by Manoj Kumar — IRDAI-certified Health Insurance Specialist
Last updated: 1 Jun 2026 · Originally published: 21 Oct 2024

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