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Individual Health Insurance Plans

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Cholamandalam Health Insurance

Cholamandalam General Insurance Company is formed due to a partnership between the Mitsui Sumitomo Insurance Company Limited in Japan and the Murugappa Group in India. The company provides a wide selection of insurance products, including motor insurance, health insurance, accident insurance, liability insurance, property insurance, engineering insurance, travel insurance, marine insurance, and crop insurance. 

In order to provide a remarkable customer experience, Cholamandalam believes in creating trust, preserving absolute transparency, and implementing innovative technologies. The company offers a variety of health insurance plans to its customers including, critical illness plans, daily benefit plans, and hospitalization plans.

Key Highlights

Premium Underwritten

4,398.49 (2019-20)

Taken From PDF

Equity Share Capital

298.81 (As Of March 31, 2020)

Taken From PDF

Incurred Claim Ratio

74.99 (2019-20)

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Solvency Ratio

1.58 (March 2020)

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Network Hospitals8200+
Claims Settled Per Year2,20,000
Number Of Branches Across India132
Head OfficeNew No. 2, Old No. 234, Dare House, II Floor, N. S. C. Bose Road, Parrys, CHENNAI-HO – 600 001, TAMIL NADU, India
Awards & Recognition
  • Golden Peacock Award – Risk Management
  • Pride of Tamil Nadu Award for BFSI (Banking, Financial Services, and Insurance Sector)
  • Dream Companions to work for in Private Insurance Sector
  • Best CSR Practice
  • The Economic Times Best Brands 2020
ISO Certifications
  • ISO 9001:2015 Certified – Motor Claims Process
  • ISO 9001:2015 Certified – Health Claims Process
  • ISO 9001:2015 Certified – Commercial Claims Process
  • ISO 9001:2015 Certified – Investigation Process
  • ISO 9001:2015 Certified – CRM
  • ISO 31000:2018 Certified – Risk Management
Types Of Health Insurance Plan
  1. Flexi Health
  2. Arogya Sanjeevani
  3. Chola Super Topup Plan
  4. Critical Illness Plan
  5. Hospital Daily Cash
  6. Chola Healthline
  7. Personal Accident
  8. Corona Rakshak
  9. Corona Kavach

Cholamandalam Health Insurance Plans

1. Cholamandalam Flexi Health Plan

Cholamandalam’s Flexi Health Insurance is a type of indemnity health insurance that gives you more freedom over your health care, including your choice of services and doctor. It provides financial protection for you and your family in the event of unforeseen health problems.

Key Features:

  • Pre- & Post-Hospitalization Expenses: The plan provides coverage to the expenses arising before and after hospitalization of the insured person.
  • AYUSH Coverage: Any expenses arising out of the treatment under the systems of Ayurveda, Yoga, Unani, Siddha, and Homeopathy will be covered under the policy.
  • New Born Baby Cover: Under the plan, the newborn baby coverage begins on the first day, subject to the mother remaining covered under the policy for a continuous 12 months from the policy’s start date.
Sum Insured Options1/2/3/5/7.5/10/15/20/25 Lakhs
Entry Age

Adult: 18 To 65 Years

Children: 3 Months To 26 Years

Sum Insured RestorationUp To 100%
Policy Tenure1/2/3 Years
Emergency Ambulance CoverageUp To Rs. 2,000 Per Hospitalization
Network Hospitals8400+

2. Cholamandalam Arogya Sanjeevani Policy

Cholamandalam’s Arogya Sanjeevani Policy is a standard health insurance plan that protects you financially in the event of a medical emergency. The plan allows you to choose from a variety of sum insured options and pay your premiums monthly, quarterly, half-yearly, or yearly.

Key Features:

  • AYUSH Treatment: The alternative treatments under Ayurveda, Yoga, Unani, Siddha, and Homeopathy are all covered under the plan without sub-limits for in-patient hospitalization.
  • Pre- & Post-Hospitalization: The plan also covers expenses occurring before and after hospitalization.
  • Day Care Treatment: Treatments that require hospitalization for less than 24 hours are covered under the policy.


Cumulative Bonus5% – 50%
Room LimitsMaximum Of Rs. 5,000 Per Day
ICU/ICCUMaximum Of Rs. 10,000 Per Day
Cataract Surgery25% Of SI
Family Discount
  • For 3-5 Members: 5%
  • For 6-7 Members: 7%
  • For More Than 7 Members: 10%
Road Ambulance CoverageUp To Rs. 2,000 Per Hospitalization
Network Hospitals8200+
Pre-HospitalizationUp To 30 Days
Post-HospitalizationUp To 60 Days

3. Chola Super Top-Up Plan

Chola Super Topup Insurance is an all-in-one top-up plan that covers you for rising medical costs on a variable Sum Insured or Individual Sum Insured basis. This policy provides you with additional protection at a low rate. The policy comes in two variants: PREMIERE and SUPREME PLAN.

Key Features:

  • No Medical Checkup Up To 55: Under Chola Super Top-Up Plan, there is no requirement for medical check-ups up to age 55 years.
  • Pre- & Post-Hospitalization Expenses: All expenses occurring before 60 days of admission and 90 days from the date of discharge will be covered under the policy.
  • AYUSH Treatment: The expenses occurring due to the treatment under Ayurveda, Yoga, Unani, Siddha, and Homeopathy system will be covered under the plan.


Sum Insured Options3/5/7.5/10/15/20/25 Lakhs
Entry Age

Maximum: 70 Years

Minimum: 3 Months

Policy Tenure2/3 Years
  • 2 Years Policy: 6%
  • 3 Years Policy: 12%
  • For Number Of Members 3-5: 5%
  • For Number Of Members 6-7: 7%
  • For Number Of Members More Than 7: 10%

4. Chola Critical Illness Insurance Plan

Chola MS’s Critical Illness Plan is a comprehensive health insurance plan available for first-time buyers up to the age of 65. If you are diagnosed with any of the critical illnesses stated, Chola MS will pay you a lump sum amount and cover all of your other expenditures if you are diagnosed with one of them. The plan comes in two variants: STANDARD Critical Plan and ADVANCED Critical Plan.

Key Features:

  • Comprehensive Coverage: The plan provides coverage not only to self but also to spouse and 3 children.
  • No Medical Test Up To Age 55: The policyholder needs not undergo any kind of medical test up to age 55.
  • 90-Days Waiting Period: The plan comes with 90 days waiting period from the date of commencement of the policy.


Sum Insured3/5/10 Lakhs
Waiting Period90 Days
Income Tax ExemptionUp To Rs. 25,000
Entry Age18 To 65 Years
Number Of Critical Illnesses Covered
  • Standard Plan: 10
  • Advanced Plan: 12

5. Cholamandalam Hospital Daily Cash

Under the Hospital Daily Cash plan, for each completed 24 hours of hospitalization, a Fixed Daily Allowance will be provided. This allowance will cover your incidental expenses while you are in the hospital. If you are admitted to the Intensive Care Unit, your daily cash benefit is quadrupled for the duration of your stay.

Key Features:

  • Convalescence Benefit: In case the hospitalization goes beyond 20 days, the policy will pay a lump sum amount to the insured.
  • No Medical Check-Up Up To 55 Years: Under Cholamandalam’s Hospital Daily Cash plan, there is no need for the policyholder to undergo any kind of medical examination up to age 55.
  • Comprehensive Coverage: The plan not only provides coverage to self, but also spouse, parents, and parents-in-law.


Policy Tenure1/2/3 Years
Entry Age18 To 65 Years
Family Discount

For 2 Members: 5%

For More Than 2 Members: 10%


6. Chola Healthline Plan

Chola Healthline is a comprehensive health insurance coverage that covers all forms of hospitalization expenses. The plan comes in four variants: Value Healthline, Freedom Healthline, Enrich Healthline, and Privilege Healthline.

Key Features:

  • AYUSH Coverage: The plan provides coverage to the treatment under Ayurveda, Yoga, Unani, Siddha, and Homeopathy system.
  • Donor Expenses: The plan also covers donor expenses for organ transplantation.
  • Maternity Coverage: The plan also provides coverage for maternity expenses.


Sum Insured
  • Value Healthline: 2/3/5/7.5/10 Lakhs
  • Freedom Healthline: 3/5/7.5/10/15 Lakhs
  • Enrich Healthline: 3/5/7.5/10/15/20/25 Lakhs
  • Privilege Healthline: 5/7.5/10/15/20/25 Lakhs
Number Of Daycare Procedures Covered141
Emergency Ambulance Expenses
  • Value Healthline: Rs. 1,000 Per Hospitalization
  • Freedom Healthline: Rs. 2,000 Per Hospitalization
  • Enrich Healthline: Rs. 2,000 Per Hospitalization
  • Privilege Healthline: Rs. 5,000 Per Hospitalization

7. Chola MS Personal Accident Policy

Cholamandalam’s Personal Accident coverage ensures financial security by covering death, physical injuries, and bodily burns. The insurance provides a robust cover and protection, allowing you to cope with the unexpected financial load and get your life back on track. When you purchase a Cholamandalam’s Personal Accident plan, you are not only purchasing a policy; you are also purchasing peace, safety, and security for your entire family.

Key Features

  • Accidental Death: If the insured dies as a result of an accident during the policy period, the Sum Insured is paid to the nominee (as specified in the policy).
  • Permanent Total Disability: If an accident results in the insured’s Permanent Total Disability and the disability lasts for twelve months, the company will pay the insured a specific percentage of the total covered amount.
  • Permanent Partial Disability: The firm will pay the insured a set percentage of the total covered if the insured suffers an accidental injury that results in Permanent Partial Disability and that disability lasts for twelve months.


Entry Age18 To 69 Years
Sum InsuredRs. 5 Lakhs To Rs. 1 Crore

8. Cholamandalam Corona Rakshak Policy

Corona Rakshak is a type of insurance that pays out a lump amount if the insured is diagnosed with Novel Corona Virus (Covid-19) and needs to be hospitalized during the policy period.

Key Features:

  • Comprehensive Coverage: Cholamandalam’s Corona Rakshak policy provides comprehensive coverage to the proposer, spouse, up to 4 children, parents, and parents-in-law.
  • No Pre-Policy Check-Up: Under the plan, no medical check-up is required.
  • Lump-Sum Benefit: On a positive diagnosis of COVID requiring hospitalization for a minimum of 72 hours, a lump sum benefit equivalent to 100% of the Sum Insured will be paid.


Sum InsuredRs. 50,000 To Rs. 2.5 Lakhs
Policy Tenure3.5/6.5/9.5 Months
Entry Age18 To 65 Years

9. Corona Kavach Policy

The Cholamandalam’s Corona Kavach Policy is intended to provide the basic health insurance needs of the general public in relation to COVID-19. The policy’s base coverage will be provided on an indemnity basis, while optional coverage will be provided on a benefits basis.

Key Features:

  • Hospitalization Expenses: The only hospitalization for COVID-19 for a minimum of 24 consecutive hours is permitted under the plan.
  • Pre- & Post-Hospitalization Expenses: Pre-hospitalization expenses up to 15 days and post-hospitalization expenses up to 30 days are covered under the plan.
  • AYUSH Treatment: COVID-19 treatment under the AYUSH system will be covered up to the Sum Insured during the coverage duration.


Emergency Ambulance ExpensesRs. 2,000 Per Hospitalization
Hospital Daily Cash0.5% Of SI
Entry Age18 To 65 Years
Policy Period3.5 Months/6.5 Months/9.5 Months
Sum InsuredRs. 50,000 To Rs. 5 Lakhs

Why Should You Rely On Health Insurance Plans From Cholamandalam?

  • Good Network Of Hospitals 

A significant benefit of a strong network hospital in health insurance is that after thoroughly filling out all of the facts, the insurance company directly settles all of the expenses for the insurer. 

When we talk about Cholamandalam, it has more than 8200 network hospitals, which itself indicates a strong network of hospitals.

  • Healthy Solvency Ratio

A solvency ratio is an important criterion for determining whether or not a company can satisfy its long-term financial obligations. As per IRDAI, it is mandatory for all insurers to maintain a healthy solvency ratio of 1.5. As of March 2020, Cholamandalam General Insurance Company Limited has a solvency ratio of 1.58. 

  • Covers Individuals As Well As Family

Individual and family floater choices are available for the sum insured.

  • Customer Service Available 24 Hours a Day, 7 Days a Week

The insurance company provides customers with 24-hour customer service via phone, email, and an online chat system. All of your insurance-related questions can be answered by contacting our knowledgeable and professional support staff.

  • Awards & Accolades

Cholamandalam MS Health Insurance has received numerous important accolades for its services, including the Golden Peacock Award for Risk Management in 2017, the Best CSR Practice Award, and many others. It demonstrates its market value and client trustworthiness.

  • Quick & Hassle-Free Claim Settlement

Without the use of a third-party administrator (TPA), direct claim assistance is available under Cholamandalam health insurance plans. The insurer is well-known for its rapid and painless claim settlement process. It has no tie-ups with third-party administrators (TPAs) and provides direct claim settlement to policyholders.

  • Renewable For Lifetime

The lifelong renewability option allows policyholders to be covered under a health insurance plan for the rest of their lives by renewing the policy without interruption.

  • Want Portability Options? – Cholamandalam Has It All!

With the portability benefit, policyholders of other insurers can easily port to this insurance provider’s similar type of health insurance plan with the same sum insured and perks. It enables customers to obtain better insurance services from a better insurer without sacrificing their unique features and coverage.

  • How About Free Health Check-Ups?

The insurer provides free health checks to its policyholders once every two and three claim-free years, respectively. This benefit is a type of value-added service provided to policyholders as a result of their association with the insurer.

  • Saves Your Money With Tax Benefits

Under section 80 D of the Income Tax Act of 1961, the policyholder will receive a tax benefit on the premiums they pay for health insurance contracts.

Premium Calculation Of Cholamandalam Health Insurance Plans

  1. Visit the official website of Cholamandalam Insurance.
  2. Click on the “Health” tab.
  3. Press “Get Quote”.
  4. Enter all the necessary details and click on “Next”.
  5. Enter pin code and average annual income, and click on “Next”.
  6. Select the sum insured and then click on “Get Quote”.
  7. Your premium details will be displayed on the screen.
28Rs. 5,353
27Rs. 5,254
31Rs. 5,922
30Rs. 5817

How Can You Purchase Cholamandalam Health Insurance Plans?

  1. Open the official website of Chola MS General.
  2. Click on the “Health” icon on the left side of the page.
  3. Now, you will see the “Buy” option. Tap on “Proceed”.
  4. Select the plan you want to buy and click on the “Buy Now” option.
  5. Enter all the essential details and press “Proceed”.
  6. Now, the company will call you for the further process.


  • Report The TPA Desk: Report the TPA desk of the hospital and show Chola Health MS card along with your photo ID proof and reports.
  • Sending Request: The request will be sent to the company for authorization and verification of details.
  • Settling The Claim: Once the verification is done, the company will directly settle the claim with the hospital.


  • Contacting The Company: The insured person needs to contact Chola MS after paying the hospital bills.
  • Submitting Necessary Documents: Now submit all the necessary documents to the insurance company.
  • Verification: As per the norms of the policy, the company will then verify the documents.
  • Settling The Claim: Once the verification is done, Cholamandalam will transfer the amount to the registered bank account of the policyholder.

Documents Required

  • Duly filled and signed claim form
  • Discharge card
  • Doctor’s prescriptions
  • Original hospital bill
  • Payment receipt
  • Medical investigation reports
  • Other documents requested by the company

What’s The Renewal Process For Cholamandalam Health Insurance Plans?

  1. Visit the official website of Cholamandalam.
  2. Click on the “Health” tab.
  3. Click on the “Renew” option.
  4. Enter your policy number, and then click on “Proceed”.
  5. Enter the necessary details and pay the premium amount.

Frequently Asked Questions

FOR STANDARD CRITICAL PLAN – 10 Critical Illnesses

  • Cancer of Specified Severity
  • Stroke Resulting in Permanent Symptoms
  • Myocardial Infarction
  • Open Chest CABG
  • Kidney Failure Requiring Regular Dialysis
  • Multiple Sclerosis With Persisting Symptoms
  • Major Organ/Bone Marrow Transplant
  • Permanent Paralysis of Limbs
  • Surgery to Aorta
  • Primary Pulmonary Hypertension

FOR ADVANCED CRITICAL PLAN – 12 Critical Illnesses

  • Cancer of Specified Severity
  • Stroke Resulting in Permanent Symptoms
  • Myocardial Infarction
  • Open Chest CABG
  • Kidney Failure Requiring Regular Dialysis
  • Multiple Sclerosis With Persisting Symptoms
  • Major Organ / Bone Marrow Transplant
  • Permanent Paralysis of Limbs
  • Surgery to Aorta
  • Primary Pulmonary Hypertension
  • Parkinson’s Disease
  • Motor Neuron Disease With Permanent Symptoms

You can contact the company through 3 methods:

  1. By Visiting The Registered Office: New No. 2, Old No. 234, Dare House, II Floor, N. S. C. Bose Road, Parrys, CHENNAI-HO – 600 001, TAMIL NADU, India
  2. Through Customer Care Number: 1800-208-5544, 1800-208-9100
  3. Through Mail: Customercare@cholams.

If you want to use the Cholamandalam MS network hospital’s cashless service, you must notify them 72 hours ahead of time if it’s a planned admission, and 48 hours if it’s an emergency hospitalization.

Because health insurance providers, like Cholamandalam MS, do not allow any changes during the policy tenure of family health insurance, it is advised to adjust the sum covered amount at the time of policy renewal.

Cholamandalam MS processes the feature of portability in accordance with the IRDA criteria.

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