You need health cover regardless of what you take two at a time - pills or stairs.
You need health cover regardless of what you take two at a time - pills or stairs.
  • Chola MS Health Insurance

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    Cashless Treatment

    Customer Service

    Medical Coverage

    Claim Experience

    Cholamandalam MS General Insurance Company Ltd (Chola MS) is a joint venture between the Murugappa Group, an Indian conglomerate, and the Mitsui Sumitomo Insurance Group (MSIG), a Japanese assurance company. Headquartered in Chennai, offering products like Motor Insurance, Health Insurance, Travel Insurance, Personal Accident & Home Insurance.


    Cholamandalam Health Insurance at a Glance

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    Coverage for your most loved ones

    Total members covered

    Coverage for a maximum of 5 family members with up to 2 adults and 3 children

    You get a choice of coverage tenure

    Pre and Post Hospitalization cover

    Medical expenses covered for 60 days before your hospitalization and 90 days for post hospitalization for related medical expenses

    The next best thing to having a doc in the family

    Health Check-ups

    Free Health Check up for 2 claim-free years

    * For a family health cover product.

    Critical Factors of the Plan

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    Not a paisa goes from your own pocket!

    Co-Pay

    No Co-pay

    You?re covered for any future medical expenses

    Life long renewable

    Plans are lifelong renewable and covers you for your entire lifetime.

    Get essential cover for existing ailments

    Pre-existing Diseases

    pre-existing condition until 48 months of continuous coverage from first policy start date

    Hospital room rent determines your treatment bill

    Room Rent

    SI Rs. 3/4/5 lakh ? AC room up to 3000 /day

    *These Features may be included as part of different products and are subject to the insurer's terms & conditions.

    Additional Features of Cholamandalam Health Insurance

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    Good health offers multiple rewards

    You'll receive a daily cash amount for each continuous and completed period of 24 hours during hospitalization irrespective of whatever you spend

    The world is your healthcare oyster

    Cashless hospitalization at over 2,600 hospitals

    *These add-ons may be included as part of different products and are subject to the insurer's terms & conditions.

    Chola MS General Insurance Highlights Updated on 18 Dec 2017

    Features Specifications
    Network Hospitals 2600+
    Waiting Period for Pre-existing Disease 4 years
    Incurred Claims Ratio 44.56%
    Number of Policies Issued 78107
    Grievances Solved 99.56%
    Renewability Lifetime

    *For Year 2015-2016

    Overview of Cholamandalam MS Health Insurance:

    Chola MS General Insurance Co. Ltd. was formed a decade ago on its core philosophies of Trust, Transparency and Technology.

    Headquartered in Chennai, it has grown to be a general insurer of choice by ensuring customer-satisfaction through innovation and operational effectiveness. The company has an extensive branch-network of about 90 centres all over India. It reaches its customers primarily through its 7,000-strong agent network, duly supported by alternate distribution channels viz. bancassurance partners, tie-ups with auto majors and other strategic partnerships.

    Chola MS General Insurance has a number of product lines catering to retail customers including Auto, Travel, Home and Personal Insurance, to name a few, alongwith business protection solutions for commercial clients.

    Chola MS, being one of the leading health insurance providers in India, offers a number of health insurance plans. The health insurance plans offered by Cholamandalam MS come with a lot of attractive features and benefits, and provide comprehensive health insurance coverage at affordable rates.

    Key features of Cholamandalam MS Health Plans:

    Listed below are main features of health insurance plans from Chola MS:

    • A select number of Chola MS Health plans provide double coverage for accidents and critical illnesses.
    • They also provide for domiciliary hospitalization and you canenjoy lifetime coverage with these plans.
    • Enjoy cashless hospitalization at over 4300 hospitals across the country.
    • Select health plans provide cover for 20 major critical illnesses.
    • Get paid for the cost involved in room rent on selected health plans.
    • Lifetime renewal facility is available.
    • Get tax benefit under section 80 (D) of the Indian Income Tax Act, 1961.
    • 24x7 claim assistance service.
    • These plans also provide cover for over 140 Day-care procedures.
    • Pre and post hospitalization expenses are covered by most of the health plans offered by Chola MS.
    • Enjoy easy claim settlement procedure.
    Cholamandalam MS Health Insurance Plans

    Why choose Health Insurance Plans from Chola MS:

    There are number of reasons why you choose Chola MS Health Plans. These plans offer a host of attractive benefits which include:

    • You can enjoy cashes hospitalization in 4300 hospitals plus hospitals in India.
    • Chola MS Health would pay for your pre and post hospitalization expenses up to up to 30 days prior to hospitalization and up to 60 days after discharge.
    • Select Chola MS Health plans also include ambulance service within its cover and they will pay for your ambulance charges.
    • You may enjoy special benefits when you renew your health insurance policy, provided you have made no claim on your health insurance cover in the previous year. You can also enjoy free medical check-up for not making no claims.
    • Under section 80D of the Income Tax Act, 1961, you may get tax benefits on the premiums paid for your health insurance policy.
    • You can opt for voluntary deductibles and reduce your premium amount mentioned in the policy. Co-pay facility is available in select health insurance plans.
    • Nearly 20 critical illnesses are covered under this policy.
    • You can easily purchase these plans online without facing the trouble of manually contacting your health insurance provider.

    Types of Health Insurance Policies Provided by Chola MS:

    1. Chola MS Healthline Insurance
    2. Chola Swasth Parivar Health Insurance Plan
    3. Chola Tax Plus Healthline
    4. Chola MS FamilyHealthline Insurance
    5. Chola MS Individual Healthline Insurance Policy
    6. Chola MS Top Up Healthline Insurance Policy
    7. Chola MS Critical Healthline Insurance Plan
    8. Chola MS Hospital Cash
    9. Chola MS Individual Health
    10. Chola MS Family Health Insurance

    Key details of each of the plans are elucidated and tabulated below:

    This policy comes with three sub-plans viz.

        • Value Healthline
        • Freedom Healthline
        • Enrich Healthline

    They are similar in terms of features but differ in terms of coverage amounts/sub-limits.

    Entry Age 18 yrs. to 65 yrs.
    Policy Period 1, 2 or 3 yrs.
    Renewability Lifetime
    Medical Screening Required; Costs reimbursed up to 50% (Value or Freedom Plans) and 100% (Enrich Plan) on  qualification
    Basis Individual or Floater (Family includes self, spouse, dependent children/parents/parents-in-law/siblings)
    Sum Assured - Value Healthline: Rs.2 lakhs - Freedom Healthline: Rs.3, 5 or 7.5 lakhs - Enrich Healthline: Rs.3, 5, 7.5 or 10 lakhs No-claim Bonus: Enhancement of chosen sum assured on renewal for every claim-free year awarded in  the following way - Value Healthline: 5% (max. 25%) - Freedom Healthline: 5% (max. 50%)  - Enrich Healthline: 50% (max.100%)
    Premium - Value Healthline: Rs.1,957 to Rs.24,919 - Freedom Healthline: Rs.3,801 to Rs.72,916 - Enrich Healthline: Rs.5,265 to Rs.90,212 Premiums depend on the chosen sum assured, age of insured members, policy tenure, basis of chosen  plan and number of members covered. (Floater plans - premium based on age of the oldest member)
    Discounts 6% for a 2 yr. tenure; 12% for a 3 yr. tenure
    Co-payment 10% - Only on the Value Healthline Plan for members over 55 yrs.
    Coverage The following expenses are met within the chosen sum assured:  - Inpatient hospitalisation expenses:  Room charges: For coverage option of Rs.2 lakhs: Max.Rs.3,000; other coverage options: Actuals of  single A/C room  - 141 day care procedures  - Pre/Post-hospitalisation expenses:  Up to 30/60 days respectively (Value Plan) and Up to 60/90 days respectively (Freedom or Enrich Plans)  - Domiciliary Hospitalisation expenses: Up to 7 days  - AYUSH treatment  - Organ donor hospitalisation expenses  - Ambulance costs: Rs.1,000 (Value Plan) and Rs.2,000 (Freedom or Enrich Plans)  - Health-check costs: On completion of 3 / 2 claim-free year (Freedom/Enrich plans respectively)  - Pre-existing diseases: After a 4-yr. waiting period
    Add-on Covers Available on the Enrich Healthline Plan: - Cash Allowance: Rs.500 per day (max.7 days) per hospitalisation ( of a child)  - Convalescence Benefit: Rs.10,000 for hospitalisation beyond 10 days - Critical Illness/Accident Cover: 2  times the chosen sum assured

    This policy features two sub-plans viz.

        • Pearl
        • Royale
          Basis Family floater
          Sum Assured Rs.3, 4 or 5 lakhs
          Premiums Rs.5,005 to Rs.10,351
          Co-payment 15% compulsory; 10% voluntary (at non-network hospitals)
          Coverage - Inpatient hospitalisation expenses:  Room charges: 1% of chosen sum assured ICU: 1.5% of chosen sum assured (per day)  - Costs of treating medical professionals, consumables etc. required for treatment - 141 day care procedures - Pre/Post-hospitalisation expenses: Up to 30/60 days respectively - Day care treatment: At network hospitals only - Pre-existing diseases: After a waiting period of 4 yrs.
          Add-on Covers Personal Accident Cover: Death and Total Permanent Disablement: Rs.7.5 to 10 lakhs (self) and Rs.3.75 to Rs.5 lakhs (spouse);  Rs.1.5 to Rs.2 lakhs (per child)  Partial Permanent Disablement: Rs.3.75 to Rs.5 lakhs (self) and Rs.1.87 to Rs.2.5 lakhs (spouse); Rs.75,000 to Rs.1 lakh (per child)
        • Chola Tax Plus Healthline

          Entry Age 18 yrs. to 65 yrs.; 3 months for children
          Medical Screening Required for entrants above 55 yrs.
          Sum Assured Rs.1 to 5 lakhs in increments of Rs.1 lakh No-claim Bonus: 5% enhancement in chosen sum assured for every claim-free year, max.50%
          Coverage - Inpatient hospitalisation expenses:  Room charges: 1% of the chosen sum assured (per day)  ICU charges: 2% of the chosen sum assured (per day)  - Pre-hospitalisation expenses: Up to 60 days (max. 5% of actuals)  - Post-hospitalisation expenses: Up to 90 days (max.Rs.50,000)  - Ambulance costs: Rs.3,000 per hospital stay - Cataract: 7.5% of chosen sum assured (max. 20,000) per eye - Hernia: 10% of chosen sum assured (max. 30,000)  - Fistula/Piles: 10% of chosen sum assured (max.30,000)  - Sinusitis: 10% of chosen sum assured (max.30,000)  - Tonsillitis / Adenoids: 15% of chosen sum assured (max.40,000)  - Knee/Joint Replacement Procedures: 50% co-payment  - Outpatient cover  - Pre/Post-Natal Expenses  - Pre-existing diseases: After a 4-yr. waiting period  - Dental  - Treatment under branches of Indian medicine (not naturopathy)  - Prescribed glasses, contact lenses, hearing-aids, prosthetics etc.
        • Chola MS Family Healthline Insurance

    This policy comprises the following plans:

        • Standard
        • Superior
        • Advanced

    Basic features are common to all plans but the amount and depth of coverage varies along with the premiums payable.

    Entry Age 18 yrs. to 65 yrs.  3 months for children
    Medical Screening Required for entrants above 55 yrs.
    Basis Family Floater (Family includes self, spouse, dependent children)
    Sum Assured - Standard: Rs.2 to 5 lakhs in increments of Rs.1 lakh - Superior: Rs.4 to 10 lakhs in increments of Rs.2 lakhs - Advanced: Rs.6 to 12 lakhs in increments of Rs.2 lakhs; Rs.15 lakhs No-claim Bonus: 5% enhancement of chosen sum assured for every claim-free year
    Premium - Standard: Rs.5,845 to Rs.1,42,297 - Superior: Rs.10,516 to Rs.2,47,593 - Advance: Rs.18,707 to Rs.3,50,661 Depends on age of insured (based on oldest member), chosen sum assured, chosen plan and family size  i.e. up to two adults and 3 kids
    Co-Payment / Discounts 10% discount on premiums, if 10% co-payment is opted for
    Coverage - Inpatient hospitalisation expenses:  Room charges (per day): Up to Rs.3,000 (Standard), Up to Rs.3,000 for Rs.4 lakh cover or 1% of the chosen sum assured for Rs.6, 8 or 10 lakhs cover (Superior) or 1% of the sum assured (Advanced)  - Daily Cash Allowance: Rs.250 (Standard) and Rs.500 (Superior and Advanced); per day, up to 7 days, deductible of 1 day - Accompanying a child: Rs.250 (Superior and Advanced); per day, up to 7/14 days respectively, deductible of 1 day  - Health-check costs including eye-checks: 0.5% or 0.75% or 1% of the chosen sum assured (Standard or Superior or Advanced respectively), once after 2 claim-free years  - Ambulance costs: Rs.1,000 or Rs.2,000 or Rs.3,000 (Superior and Advanced, respectively), once a  policy year, per insured member - Domiciliary hospitalisation: 15% or 25% of the chosen sum assured, max. Rs.75,000 or Rs.1 lakh (Superior and Advanced, respectively)  - Maternity Expenses: After a 5-yr. waiting period, Rs.15,000 or Rs.25,000 (Superior and Advanced,  respectively)  - 141 day care procedures  - Specific Ayurvedic treatment: Up to 7.5% of the chosen sum assured, 20% co-payment - Dental: After a 3-yr. waiting period, 1% of the chosen sum assured, max. Rs.5,000, 30% co-payment - External Aids: 1% of the chosen sum assured, max. Rs.5,000, every 2nd year, 30% co-payment - Cataract (per eye): 7.5% of the chosen sum assured, max.Rs.20,000  - Hernia: 10% of the chosen sum assured, max. Rs.30,000 - Fistula/Piles: 10% of the chosen sum assured, max. Rs.30,000 - Sinusitis: 10% of the chosen sum assured, max. Rs.30,000 - Tonsillitis: 15% of the chosen sum assured, max. Rs40,000 (Cataract to Tonsillitis: covered under the Standard Plan within limits mentioned above; Cataract only  covered under the Superior Plan;Cataract to Tonsillitis: covered under the Advanced Plan on basis of  actuals)
    Benefits Chola MS Wellness Service: Rs.350 or Rs.500 per person (SMS reminders)

    Suited for protection of an individual, it provides three coverage options under plans titled Standard, Superior and Advanced. The sub-limits applicable to the various expenses depend on the plan chosen by the proposer and the coverage option therein.

    Entry Age 18 yrs. to 65 yrs.; 3 months for children
    Renewability Required above the age of 55 yrs.
    Medical Screening Required above the age of 55 yrs.
    Sum Assured - Standard: Rs.1 to 5 lakhs in increments of Rs.1 lakh - Superior: Rs.3.5 to 5.5 lakhs in increments of Rs.1 lakh - Advanced: Rs. 4.5, 5.5, 7.5 or 10 lakhs No-claim Bonus: 5% increase in sum assured, every claim-free year
    Premiums - Standard: Rs.2,619 to Rs.31,688 - Superior: Rs.3,136 to Rs.32,304 - Advanced: Rs.5,320 to Rs.56,181
    Discounts 10% discount for 10% voluntary co-payment
    Coverage - Inpatient hospitalisation expenses:  Room charges: Up to Rs.1,000 or Rs.3,000 per day depending on chosen coverage (Standard); Up to  Rs.3,000 per day (Superior); Up to Rs.3,000 or 1% of chosen sum assured depending on chosen coverage - Pre/post-hospitalisation expenses: Up to 60 / 90 days  - Ambulance costs: Rs.1,000 or Rs.2,000 or Rs.3,000 (Standard, Superior, Advanced, respectively)  - 141 day care procedures - Daily Cash Allowance (hospitalisation): Rs.250, max. 7 days (Standard); Rs.500, max. 7 days  (Superior); Rs.500, max.14 days (Advanced) per day, deductible: 1 day  - Health-check costs: 0.5% or 0.75% or 1% of chosen sum assured (Standard, Superior, Advanced  respectively), every 2nd claim-free yr.  - Cash Allowance for accompanying a hospitalised minor (Superior/Advanced): Rs.250 per day, max.14  days; deductible: 1 day  - Domiciliary hospitalisation: 15% (max. Rs.70,000) or 25 (max. Rs.1 lakh) of the chosen sum assured  (Superior/Advanced respectively)  - Maternity Expenses: Up to Rs.25,000 or Rs.40,000 (Superior/Advanced respectively)  - Ayurvedic Treatment: Up to 7.5% of chosen sum assured; 20% co-payment (Advanced)  - OPD Dental: 1% of chosen sum assured, max. Rs.5,000; 30% co-payment (Advanced)  - External Aids: 1% of chosen sum assured, max. Rs.5,000; 30% co-payment; (Advanced)  Cataract (per eye): 7.5% of the chosen sum assured, max.Rs.20,000  - Hernia: 10% of the chosen sum assured, max. Rs.30,000 - Fistula/Piles: 10% of the chosen sum assured, max. Rs.30,000 - Sinusitis: 10% of the chosen sum assured, max. Rs.30,000 - Tonsillitis: 15% of the chosen sum assured, max. Rs40,000 (Cataract to Tonsillitis: covered under the Standard Plan within limits mentioned above; Cataract only  covered under the Superior Plan; Cataract to Tonsillitis: covered under the Advanced Plan on basis of  actuals)
    Benefits Chola MS Wellness Service: Rs.350 or Rs.500 per person (SMS reminders)

    This is a health insurance policy which enhances the cover of a basic health plan. Taken in-addition to an existing policy, this makes coverage more comprehensive.

    There are 7 coverage options viz. Plan A, B, C, D, E, F and G. Each plan features a deductible which is the amount the proposer bears on admissible claims. Sub-limits on the various expenses covered under this policy also vary according to the chosen plan.

    Entry Age 18 yrs. to 65 yrs.; 3 months for children
    Policy Period 1, 2 or 3 yrs.
    Renewability Lifetime
    Medical Screening Required above the age of 55 yrs.
    Basis Individual or Floater
    Sum Assured Plan A: Rs.50,000; applicable deductible:Rs.30,000 Plan B: Rs.2 lakhs; applicable deductible:Rs1 lakh Plan C: Rs.3 lakhs; applicable deductible: Rs.2 lakhs Plan D: Rs.5 lakhs; applicable deductible Rs.3 lakhs Plan E: Rs.6 lakhs; applicable deductible: Rs.4 lakhs Plan F: Rs.10 lakhs; applicable deductible: Rs.5 lakhs Plan G: Rs.15 lakhs; applicable deductible: Rs.5 lakhs
    Premiums - 1 yr. policy: Rs.2,472 to Rs.14,029 - 2 yr. policy: Rs.4,749 to Rs.27,244 - 3 yr. policy: Rs.6,808 to Rs.38,802 Premiums are based on the oldest insured member and depend on chosen sum assured, number of insured  members, age and policy tenure.
    Coverage - Inpatient hospitalisation expenses:  Including charges for treating medical professionals, consumables, equipment, supplies, OT etc.  Up to Rs.80,000 (A); Rs.3 lakhs (B); Rs.5 lakhs (C),Rs.8 lakhs (D), Rs.10 lakhs (E), Rs.15 lakhs (F), Rs.20  lakhs (G)  Room charges: Rs.500 (A), Rs.2,000 (B), Rs.4,000 (C), Rs.5,000 (D), Rs.6,000 (E), Rs.7,500 (F),  Rs.10,000 (G)  - Pre-hospitalisation expenses: Up to 60 days, max.5% of actuals - Post-hospitalisation expenses: Up to 90 days, max.10% of actuals (up to Rs.50,000)  - Ambulance costs: Up to Rs.3,000 per hospitalisation - Pre-existing diseases: After a 4-yr. waiting period

    This plan can be taken in addition to a basic health plan to make coverage more comprehensive. Basic plans do not cover critical illnesses whereas this plan specifically targets these events.

    There are two options based on the number of critical illnesses covered i.e. 1. Standard Plan: Covers 10 illnesses 2. Advanced Plan: Covers 12 illnesses

    Entry Age 18 yrs. to 65 yrs.; 5 yrs. for children
    Renewability Lifetime
    Medical Screening Required above the age of 55 yrs.
    Basis Individual
    Sum Assured Rs.3, 5 or 10 lakhs
    Premium Standard:  Men - Rs.825 to Rs.65,370  Women - Rs.776 to Rs.60,665 Advanced: Men - Rs.928 to Rs.67,018  Women - Rs.839 to Rs.61,247 Premium depends on chosen sum assured, age and gender of the insured
    Coverage Lump sum payment on diagnosis of specified critical illnesses, subject to a survival period varying of 30 to 180 days. Standard Plan: Cancer, Stroke, First Heart Attack, CABG, Renal Failure, MS, Major Organ/bone marrow transplant, Permanent Paralysis, Aorta Surgery, Primary Pulmonary Hypertension Advanced Plan:  Cancer, Stroke, First Heart Attack, CABG, Renal Failure, MS, Major Organ/bone marrow transplant,  Permanent Paralysis, Aorta Surgery, Primary Pulmonary Hypertension, Parkinson’s Disease, Motor Neuron  Disease + Ambulance costs: Rs.1,000 once in a policy year.

    This policy offers holders a way to meet expenses during hospitalisation. The three medical insurance plans mentioned below offer varying levels of cover. Customers can avail of this policy, based on their affordability, given the range of premiums charged under Plan A, Plan B or Plan C.

    Hospitalisation expenses in this case includes ICU charges and extended stay and payout is given as a lump sum once claims are successfully processed.

    Entry Age 18 yrs. to 65 yrs.; 3 months for children
    Renewability Lifetime
    Medical Screening Required above the age of 55 yrs.
    Premium - Plan A: Rs.762 to Rs.6,817 - Plan B: Rs.1,317 to Rs.13,355 - Plan C: Rs.1,872 to Rs.19,893
    Discounts 5% for every additional member covered, max.10%
    Coverage - Hospitalisation Cash Benefits:: Rs.1,000 (A), Rs.2,000 (B), Rs.3,000 (C); per day  - ICU charges: Rs.2,000 (A), Rs.4,000 (B), Rs.6,000 (C); per day  - Convalescence Benefit: Lump sum payment; Rs.10,000 (A), Rs.15,000 (B), Rs.20,000 (C); per day - Pre-existing diseases: After a 4-yr. waiting period
        • Chola MS Individual Health

    This plan gives the client a chance to enhance their cover by paying additional premium.

    Entry Age 18 yrs to 65 yrs.
    Policy Period 1 year
    Renewability Lifetime
    Medical Screening Required above 45 yrs.
    Sum Assured Rs.1, 1.5, 2, 3, 4, 5, 7.5 or Rs.10 lakhs No-claim Bonus: 5% enhancement of sum assured for every claim-free year; max. 50%
    Premium Basic: Rs.1,643 to Rs.24,555 Basic + Extra: Rs.1,811 to Rs.29,200 Premiums depend on chosen coverage and age of insured member
    Discount Family discount: On total premium for additional members covered
    Coverage - Inpatient hospitalisation expenses:  Room, services of medical professionals, consumables, equipment, supplies etc.  - Pre/Post-hospitalisation expenses: Up to 60/90 days respectively - Pre-existing diseases: After a 4-yr. waiting period  - Ambulance costs: Depending on chosen sum assured - 141 day care procedures
    Coverage - Inpatient hospitalisation expenses:  Room, services of medical professionals, consumables, equipment, supplies etc.  - Pre/Post-hospitalisation expenses: Up to 60/90 days respectively - Pre-existing diseases: After a 4-yr. waiting period  - Ambulance costs: Depending on chosen sum assured - 141 day care procedures
    Add-on Covers Extra Health Cover for extra premium (sub-limits apply)
    Benefits Chola MS Wellness Health Alerts Service
        • Chola MS Family Health Insurance

    This is similar to the Individual Policy but offered on a floater basis to cover not just the proposer but his/her entire family as well.

    Entry Age Up to 65 yrs.
    Renewability Lifetime
    Medical Screening Not required
    Basis Floater
    Sum Assured Rs.2 to 5 lakhs
    Premium Rs.5,223 to Rs.18,173
    Coverage - Inpatient hospitalisation expenses:  Room, services of medical professionals, consumables, equipment, supplies etc.  - Pre/Post-hospitalisation expenses: Up to 60/90 days respectively - Pre-existing diseases: After a 4-yr. waiting period - Daily Cash Allowance  - Domiciliary nursing  - Ambulance costs: Depending on chosen sum assured - 141 day care procedures  - External Aids
    Benefits Chola MS Wellness Health Alerts Service

    All health assurance and mediclaim policies must be read in conjunction with their individuals terms and conditions. It should also be remembered that every plan lists out certain exclusions i.e. events or circumstances that can lead to disqualification of claims made.

    *GST and other charges are to be factored in wherever applicable.

    How to File a Claim with Chola MS Health?

    Claim settlement is subject to the claim intimation made by the insured member to Chola MS and approval of the claim as per policy terms and conditions. Policyholders can make 2 types of health insurance claims with Chola MS Health:

    • Cashless Claim: Visit a network hospital of Chola MS Health and display your health card at the TPA helpdesk along with a photo identity card, and investigation reports. The hospital will submit a pre-authorisation request form to Chola MS Health. Upon approval, the hospital will provide cashless treatment to the insured member and the insurer will settle the medical bills directly with the hospital.
    • Reimbursement Claim: Pay the hospital bills upfront out of your own pocket. At the time of discharge, collect all the original medical documents and submit it to the insurer along with a duly-filled reimbursement claim form. The claim will be approved or rejected as per the policy terms and conditions.

    Chola MS Health Insurance FAQs:

    1. What is a benefit policy?

      The benefit policy allows the insurance company to pay the insured an amount in lump sum, leaving the decision of spending the money on medical treatment or not to the insured.

    2. Is the Chola MS Critical Healthline policy the same as the Mediclaim policy?

      No, the Critical Illness policy covers certain specific illnesses and is taken as an add-on to a Mediclaim policy. It is an optional policy that is offered to policy takers in case they are diagnosed with one of the critical illnesses that is listed with the Chola MS Health Insurance.

    3. How the premium is decided for the Chola MS health insurance policies?

      Following are the requisites that decide the premium amount of the Chola MS health insurance policies-

    • Gender
    • Age
    • Monetary value of insurance amount chosen

      4. How can the Chola MS Critical Healthline policy be differentiated from the Mediclaim policy?

    The Mediclaim policy provides compensation for the medical expenses incurred by the insured whereas the Chola MS Critical Healthline policy provides the insured with the entire amount as lump-sum when the insured is has a diagnosis of a critical illness.

    Under the Mediclaim policy, the insured has to pay upfront and confirm treatment before the insurance company pays the insured for the medical attention while under the Critical Illness policy, the insured has to produce confirmation of diagnosis of a critical ailment and the insurance company will pay the insured in lump sum.

    5. Are there any discounts that can be availed on the Chola MS Family Healthline policy?

    10% discounts on premiums can be availed on the Chola MS Family Healthline policy in the case that 10% co-payment is opted for.

    6. What Critical Illnesses are covered by Chola MS Critical Healthline policy?

    The following critical illnesses are covered by the Chola MS Critical Healthline policy-

    • Terminal Cancer
    • Open Chest CABG
    • Parkinson’s Disease
    • Stroke that has resulted in symptoms that are permanent
    • Surgery of Aorta
    • Permanent paralysis of the limbs
    • Transplant of major organ or bone marrow
    • Multiple Sclerosis
    • First Heart Attack
    • Primary pulmonary arterial hypertension
    • Motor Neuron disease with symptoms that are persistent
    • Kidney failure that requires regular dialysis

    7. Is it possible to get a Chola MS Critical Healthline policy if one already has another critical illness policy?

    Yes, it is possible to get another Chola MS Critical Healthline policy even if the insured already has an existing critical illness policy.

    In case of an existing Chola MS Critical Healthline policy, the insured needs to declare the existent policy at the time of purchasing the new one.

    Furthermore, the insured can claim both of the policies when a critical illness occurs.

    8. What is the age of renewability for the Chola MS Individual Healthline policy?

    The age of renewability of the Chola MS Individual Healthline policy is the age of 55 years.

    9. Does the Chola MS Critical Healthline policy cover pay for alternative medication?

    Once the insured is diagnosed with critical illness, the Chola MS Critical Healthline policy pays the insured a lump sum amount. The insured can use this amount at his/her discretion which includes alternative medicines.

    10. What is the age limit to be eligible for the Chola MS Individual Healthline policy?

    Persons between the ages of 18 years and 65 years are eligible for the Chola MS Individual Healthline policy.

    Children from the age of 3 months and onwards are eligible for the Chola MS Individual Healthline policy.

    Examples of Network Hospitals in Major Cities:

    CITY NAME OF HOSPITAL
    DELHI GOPAL NURSING HOME & EYE HOSPITAL
    MUMBAI DNA MULTISPECIALTY HOSPITAL
    KOLKATA DAFODIL NURSING HOME PVT.LTD.
    BANGALORE CHAYA HOSPITAL
    CHENNAI ATHIPATHI HOSPITAL & RESEARCH CENTRE

    *Disclaimer - This is not an exhaustive list but an indicative representation of hospitals that form a part of the company's wider network.

    News About Cholamandalam Health Insurance

    • Mitsui Sumitomo increases stake in Chola MS to 40%

      Chennai-based Tube Investments of India Ltd announced that it will sell 14% of its stake in Cholamandalam MS General Insurance to its Japanese joint venture partner Mitsui Sumitomo Insurance Company for approximately Rs 883 crore. Following the approval of the stake sale by Tube Investment’s board, the completion of the deal will see Mitsui Sumitomo increase its ownership in Chola MS to 40% from 26%.

      MM Murugappan, Chairman, Tube Investments and Yasuyoshi Karasawa, President and CEO, Mitsui Sumitomo, expressed their delight at the deal’s approval, which further strengthens the relationship between the two firms in India.

      28th December 2015

    • Cholamandalam MS General Insurance Co. eyes premium growth of 30% for FY15

      Cholamandalam MS General is expecting premium growth of 30% or more to close over Rs. 2,500 crores for the present fiscal. It also hopes to strengthen its health insurance business contribution to 25% over a period of five years. Concurrently, it also hopes to reign in motor insurance contributions from 63% to 50%.


      The general insurance company aims to push for business in its home state of Tamil Nadu, seeking premiums of 300 crores this year, representing a 60% growth from the previous year.


      The company is also in talks to increase its foreign promoters’ stake as per revised FDI norms which allow up to 49% investment in the insurance sector. A decision regarding the same is due within the upcoming months.

      12th June 2015

    • An Attempt to Engage Audience on Radio through ‘Choice’ Campaign

      Cholamandalam MS General Insurance Company Limited unlike its big name is strangely using the small radio at your homes to keep you aware of their insurance products. This is not just a passing line in the sentence but a fact with company approximately setting a huge 25 per cent of their media expenses towards the walkie talkie aka the radio.


      In a recent chit chat with Neeraj Moorjani the Head of Marketing, Customer Lifecycle Management & Corporate Communications gave the reasons behind the unique approach. He highlights that radio is a huge part of their media mix because of the recall value and the audience engagement which requires active listening and imagination about the product. In fact he has numbers by his side and claims that currently radio hits at least 31 percent human ears and that too in the prime time during the period between 8AM and 9PM, where most of them are commuting in buses, cars, two wheelers, to college, to work and so on.


      Currently, the company runs ‘Choice’ campaign and are sponsoring a health show ‘Slice Of Health’. The show is on from 21 FM stations and hits 18 cities. The program not only talks but also listens to what the audience say and engages them on health and healthcare related issues and in the process make the audience relate to the Chola MS Health Insurance.

      3rd December 2014

    GST rate of 18% applicable for all financial services effective July 1, 2017.

    Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

    Chola MS Health Insurance Reviews

  • Page 1 of 1
    • Chola Ms Health Insurance
      "Best policy to use"
      0.5 5.0/5 "Blown Away!"
      I have the health insurance policy with Cholamandalam for past 3years. The customer support is very good with Cholamandalam health insurance . This policy covers 3members in my family. This policy has the medical claim upto Rs,1,25,000. I dont have any claim experience with this policy. I am satisfied with the health insurance policy.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 09, 2017
    • Chola Ms Health Insurance
      "Good policy for safety."
      0.5 5.0/5 "Blown Away!"
      The Company has provided me the health insurance from Cholamandalam general insurance company. This policy covers 4 members, which is myself and my family. I will be getting the medical coverage up to 2lakhs. The company pays for the policy to renew it. I hold this policy for around 8 Years. I never had any claim experience so far. I am happy holding this safety policy with Cholamandalam.
      Was this review helpful? 0
      , nasik
      Reviewed on Aug 21, 2017
    • Chola Ms Health Insurance
      "Not a good choice"
      0.5 3.0/5 "Satisfactory"
      I am having health insurance company with Cholamandalam general insurance company and its been provided by my employer and am with them from the last twelve years of time, also it covers full of my family. Recently, I have claimed for my father and I have got around 50% of money as reimbursement due to some lacking of documentation. I would like to suggest that they need to focus on the customer, also they need to enhance their diversity across all geographical location.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Mar 18, 2017
    • Chola Ms Health Insurance
      "Fantastic"
      0.5 4.0/5 "Great!"
      I do have the health insurance policy with the Cholamandalam general insurance company and am having it from the last six years of time. Response is very good with them and the medical coverage is around 5 lakh Rupees for myself , family.
      Was this review helpful? 0
      , salem
      Reviewed on Feb 25, 2016
    • Chola Ms Health Insurance
      "Satisfied.."
      0.5 4.0/5 "Great!"
      The executives are coming to our office and doing needful. I am getting this health insurance for my parents as well. Yearly the medical coverage is three lakhs. Death coverage is about 45lakhs. All the diseases are being covered by Cholamandalam health insurance.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 13, 2016
    • Chola Ms Health Insurance
      "Health insurance"
      0.5 3.0/5 "Satisfactory"
      Chola mandalam health insurance has offered me some policy papers. I dont have claim experience. I am supposed to pay rs 6000 in one year, Every year I had to renew it and towards the end they have offered me around 2 lakhs medical coverage for my health. There is no drawback no issues
      Was this review helpful? 1
      , mumbai
      Reviewed on Nov 19, 2015
    • Chola Ms Health Insurance
      "Satisfactory"
      0.5 4.0/5 "Great!"
      My health insurance is from Cholamandalam general insurance. It is a corporate insurance. I have a coverage for my family and my parents as well. I also had a claim experience. The process was smooth. It was a cashless benefit. I only had to pay 1 to 2K for the mandatory charges.They have a connect with all the major hospitals.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 04, 2015
    • Chola Ms Health Insurance
      "Get ayurvedic treatment .."
      0.5 5.0/5 "Blown Away!"
      As due the reason of low coverage I have dropped the health insurance with other insurance company. Premium is fine but coverage amount is not reasonable. Ayurvedic treatment is too included and this is good benefit. We can get treatment in Ayurvedic hospitals as Cholamandalam General Insurance is good.
      Was this review helpful? 0
      , pune
      Reviewed on Oct 28, 2015
    • Chola Ms Health Insurance
      "Taken through Company "
      0.5 5.0/5 "Blown Away!"
      My company will pay for the premium amount on my health insurance policy which is from CHOLAMANDALAM GENERAL INSURANCE. For the past four years I am holding this policy which will covers all my family members in it. Last year I made a claim for my spouse pregnancy.
      Was this review helpful? 0
      , new delhi
      Reviewed on Oct 24, 2015
    • Chola Ms Health Insurance
      "Great Experience..."
      0.5 5.0/5 "Blown Away!"
      I had a company provided health insurance from cholamandalam insurance. I was informed that I can claim up to 1lakh. I had a good claim experience. To avail the service, I just gave my insurance number. They took care of the process, I had no paper works, It was easy to claim.
      Was this review helpful? 0
      , mysore
      Reviewed on Sep 09, 2015
    • Chola Ms Health Insurance
      "Average"
      0.5 1.0/5 "Really Bad"
      I had the bad experience with the Cholamandalam general insurance company. I had claim experience with them like I had submitted all the documents with them but in my office they sent those documents in late, so i dint get any benefits from them.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Sep 09, 2015
    • Chola Ms Health Insurance
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I am having the health insurance with the Cholamandalam insurance company. Its been provided by my employer. The services are good with them and I dont have any claim experience with them. They have given the maximum reimbursement as 1.5 lakhs in my office. Cashless treatments is not with them thats the drawback with them.
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 29, 2015
    • Chola Ms Health Insurance
      "Good plan "
      0.5 4.0/5 "Great!"
      I have been using this health Insurance with CHOLAMANDALAM Insurance for last 4-5years.The customer service provided was really good and the executives are guiding the customer in good manner.They do offer a coverage amount of 2Lakh in this Insurance.They have several network hospitals in this insurance.
      Was this review helpful? 0
      , kanpur
      Reviewed on Aug 13, 2015
    • Chola Ms Health Insurance
      "Satisfied..."
      0.5 4.0/5 "Great!"
      Cholamandalam general insurance is good for health insurance and it was opened by my company. This is actually a family floater and overall the medical coverage is 1.5lakhs. Network hospitals are wide in cities. Whatever the issues we have, just our HR is taking care but getting mails from Cholamandalam.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 30, 2015
    • Chola Ms Health Insurance
      "Very good"
      0.5 4.0/5 "Great!"
      Its very good and time consuming they came to my place and explained about the things and they filled the forms and explained in detail about the accidental insurance the total amount is 10 lakhs and yearly we pay 4000 for 5 years and its for me and my family
      Was this review helpful? 1
      , nagpur
      Reviewed on Jul 08, 2014
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