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Cholamandalam Health Insurance
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₹ 5 Lakh Coverage @ ₹ 10/day
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*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

Cholamandalam Health Insurance

Cholamandalam health insurance is one of the renowned names in the health insurance segment. The insurer believes in offering comprehensive yet customized health insurance products, which can be bought for individuals,

Stands on the three philosophical pillars of Trust, Transparency, and Technology, the Chola MS General Insurance Company Limited is a merger between Japan’s famous company Mitsui Sumitomo Insurance Company Ltd. and Murugappa Group, India.

Headquartered in Chennai, it is one of the leading insurance providers. Offering excellent healthcare service and great customer satisfaction, it has received awards from the Government of India and is internationally acclaimed.

What is Cholamandalam Health Insurance?

The Cholamandalam Health Insurance is one of the most preferred insurance products that designed keeping the individuals’ needs in mind. Some of the highlights of this plan can be categorized as:



Wide Network of Hospitals

8200+ with Cashless Procedures



Number of Members

Up to 3 children and 2 adults

Waiting Period for Pre-Existing Diseases

4 years

Pre and Post Hospitalization Cover

Expenses covered before hospitalization (30 days to 60 days)and post-hospitalization (60 days to even 90 days in some plans) for related medical expenses

Incurred Claim Settlement Ratio


Why Choose Cholamandalam Health Insurance?

When compared to other health insurance policies, the Cholamandalam Health Policy provides the following benefits:

  • Cashless treatment in 8200+ hospitals in India
  • If no claims are made in a particular year, an increment is made on the sum insured on renewing the following year.
  • Paying the premium for the health insurance ensures tax benefits under Section 80D Income Tax Act.
  • Ambulance charges are covered in some plans.
  • Nearly 20 critical ailments are covered in the policy.
  • A co-pay facility is available in certain plans.
  • It can be purchased and renewed online.
  • Out-patient department expenses are also covered in certain plans. 

Features and Benefits of Cholamandalam Health Insurance

Some of the unique features and benefits of health insurance plans offered by Chola MS are:

  • Cholamandalam health insurance plans offer comprehensive benefits with multiple sum insured options to choose from.
  • The policy provides hospitalisation expense including pre and post hospitalisation expense cover.
  • AYUSH treatment cover without a sum limit.
  • The insurer also offers a specific plan to cover ongoing COVID-19 pandemic with a sum insured option up to Rs 25 lakh.
  • Various plan options to choose from such as hospitalisation plans, super-top up plan, daily cash benefit plan and critical illness plan.
  • The is no medical check-up required up to the age 55 years.
  • Premiums paid towards the plan are eligible for availing tax benefits as per the prevailing Income Tax Act of India.
  • Cumulative bonus paid under Chola health insurance are as follows:
    • Value Healthline: 5% (to maximum of 25%)
    • Freedom Healthline: 5% (to a maximum of 50%)
    • Enrich Healthline: 50% (to a maximum of 100% on the base sum insured)
    • Privilege Healthline: 5% cumulative bonus (to a maximum of 50%) 

Types of Cholamandalam Health Insurance

The Cholamandalam Health Insurance policy offers the following customized options to choose from, in India:

Chola Healtgline Insurance

It covers families on the individual and floater-sum basis. For floater-sum coverage, the spouse and dependent children are also covered in the policy. The individual coverage extends to parents, parents-in-law, and even siblings can be included.

This policy is divided into the following categories:

  • Value Healthline
  • Freedom Healthline
  • Enrich Healthline
  • Privilege Healthline

The key features and benefits of these plans are tabulated below:

Type of Policy

Sum Insured

Main Benefits

Value Healthline

Rs (2, 3, 5, 7.5 or 10) lakh

·      Sum insured value of Rs 2 lakh

·      Cashless hospital benefits

·      Ambulance charges up to Rs1,000 is covered

·      Pre hospitalization expenses covered for 30 days

·      After discharge expenses covered up to 60 days

·      Exclusive 5% to 50% discount on pharmacies, laboratories and fitness places all over the country

·      It also offers AYUSH benefits for undergoing Ayurveda, Unani, Sidha, and Homeopathy treatments.

Freedom Healthline

Rs (3, 5, 7.5, 10 or 15) lakh

·      Sum insured value of Rs (3, 5 or 7.5) lakh

·      Cashless hospital benefits in the Network Hospitals

·      Emergency ambulance charges up to Rs 2,000

·      Pre and post hospitalization charges covered up to 60 and 90 days respectively

·      Offers AYUSH benefits which include Ayurveda, Unani, Sidha and Homeopathy

·      Domiciliary treatments are covered up to 7 days.

·      Daycare procedures up to 141 days are covered, which do not require 24 hours hospitalization

Enrich Healthline

Rs (3, 5, 7.5, 10, 15, 20 or 25) lakh

·      Sum insured value of Rs (3, 5, 7.5 or 10) lakh

·      Cashless hospital facilities are ensured.

·      Ambulance charges up to Rs 2,000 are covered

·      Pre hospitalization expenses for 60 days and post-hospitalization expenses for 90 days are covered

·      In-patient treatment is taken under Ayurveda, Unani, Sidha, and Homeopathy are covered under AYUSH benefits

·      Organ transplantation expenses are covered

·      An allowance of Rs 10,000 is provided if the insured is hospitalized beyond 10 days

·      A daily allowance for 7 days basis if a child is hospitalized

Privilege Healthline

Rs (5, 7.5, 10, 15, 20 or 25) lakh

·      Rs 5,000 is provided for every hospitalization as ambulance charges

·      Maternity expense of Rs 1 lakh is provided for delivery.

·      The policy also covers newborn babies up to the floater-sum insured for the mother

·      Out-patient expenses like dental covers, spectacles, contact lenses, and hearing aids are covered up to Rs. 10,000 every 2 years

Hospital Daily Cash Plan

This policy covers hospitalization charges of the insured. The cash benefit is doubled for every 24 hours spent in the Intensive Care Unit. Moreover, a lump-sum is also paid for continuous hospitalization of 20 days.

Health checkups are offered for members above the age of 55 years. A 5% savings is offered on premium for new family members joining the policy, with a maximum saving of 10%.

*All savings offered by the insurer are as per the IRDAI approval. Standard T&C apply


  • Six variant plans are available, A, B, C, D, E and F.
  • Hospital cash for 20 days in plans A, B, and C, while it is 25 days in plans D, E and F.
  • The lump-sum payment is Rs 10,000 in plans A and D, Rs 15,000 in plans B and E and Rs 20,000 in plans C and F.
  • Option to choose policy term of one, two, or three years.
  • It can be renewed lifelong. 

MS Critical Heathline Insurance Plan 

It is an individual basis policy covering the insured, spouse, and up to three dependent children. This Fixed Benefit Policy gives a lump-sum for critical ailments that are listed without any hospitalization bills.

It pays on the diagnosis of a life-threatening disease.

There are two options to choose from:

  • Standard Plan: Covers diseases such as Cancer, Stroke, Myocardial Infarction, open chest CABG, Kidney failure, Multiple Sclerosis, major transplant of organ or bone marrow, paralysis of limbs, Primary Pulmonary Hypertension, and surgery of the aorta.
  • Advanced Plan: Covers diseases such as Cancer, Stroke, Myocardial Infarction, open chest CABG, Kidney failure, Multiple Sclerosis, major organ/bone marrow transplant, permanent paralysis of limbs, surgery of the aorta, Primary Pulmonary Hypertension, Parkinson’s disease, and Motor Neuron disease.


  • No pre-policy medical tests are required up to the age of 55 years.
  • The maximum sum insured the policy offers that is Rs 10 lakh
  • Tax benefits (up to Rs 25,000) for the premiums paid as per the Income Tax Act of India.

Super Top-up Insurance

It provides coverage for higher medical expenses. Claim reimbursement is provided up to the sum insured above the deductible. A deductible is an amount that cannot be claimed in the policy year. It is a cost-sharing policy. The policy sum insured can be availed up to Rs 25 lakh.


  • Two plan options within the policy suit the various requirements of individuals.
  • Pre- policy medical checkups are not necessary up to the age of 55 years.
  • An extended family can be covered on an individual basis. If seven members join the policy, up to 10% of savings on premium is offered.
  • The policy can be availed for a tenure of one, two, or three years.
  • 60-days pre-hospitalization expenses covered, while post-discharge expenses are covered for 90 days.
  • Emergency ambulance charges up to Rs 3,000 is provided

Personal Accident Plan

This is a policy launched to cover tragic events like death, physical injuries, and disabilities due to an accident. The sum insured can be Rs 5 lakh to Rs 1 crore.


  • The policy offers weekly compensation for permanent disability.
  • 100% of the insured sum is paid for permanent total disability.
  • Tuition fees compensation is paid if the insured is unable to attend school/college due to the injury.
  • Expenses to modify resident or vehicle due to disability is paid.
  • In case of death by the accident or total permanent disability, the transportation costs of a family member to reach the location of the affected is paid.
  • It bears the funeral expenses caused by an accidental death.
  • The coverage offered is based on the annual income of the proposer.
  • It has a lifetime renewability feature. 

COVID-19 Plan

It is a unique health insurance plan to cover coronavirus and expenses arising while diagnosed.


  • It is a one-year policy with a defined sum insured option with the single premium payment mode.
  • The policy doesn’t require pre-policy medical check-up.
  • The policy sum insured ranges from Rs 10,000 to Rs 50,000.
  • The premium paid under this policy is eligible for tax deduction under Section 80D of the Income Tax Act.
  • On diagnosis of COVID positive, the policy offers a compensation up to 100% of the sum insured amount.
  • Daily cash benefits and loss of job are covered as optional cover. 

Arogya Sanjeevani Policy

It is a standard health insurance policy introduced by IRDA on April 1st 2020, in the wake of COVID-19 pandemic. All health insurers across the country are advised to offer a standard health insurance coverage up to Rs 5 lakh under this policy.


  • Cholamandalam Arogya Sanjeevani policy offers coverage for the family including in-laws.
  • There is no medical check-up required up to the age of 50 years.
  • No sublimit is charged on AYUSH treatment.
  • Cashless treatment can be availed at 8200+ hospitals.
  • Hospitalisation expenses cover up to the sum insured.
  • AYUSH Treatment cover, provided it is availed from a reputed hospital.
  • Dental treatment arising due to disease or injury is covered
  • Day care treatments are covered.
  • Ambulance cover up to a maximum of Rs 2000 per hospitalisation is offered.
  • Plastic Surgery, necessitated due to disease or injury are included.

Chola Flexi Plan

Flexi Health is an indemnity-based policy that offers insurance protection during a medical emergency. The policy can be customized with multiple sum insured options as per your insurance needs.


  • The policy sum insured can be availed from Rs 1 lakh to Rs 25 lakh
  • The premiums are charged based on the location of the insured.
  • Reload of sum insured up to 100% is available.
  • Additional sum insured to be availed for road traffic accidents.
  • There is no TPA involvement in case of claim settlement, which leads to faster claim settlement.

Exclusions of the Chola Health Insurance

Following are the instances when the Chola MS Health Insurance cannot be claimed:

  • Suicidal attempt or intentional injury to self
  • Injury or death while playing adventure sports
  • Injury or death in events related to terrorist activities or nuclear attacks
  • Expenses of weight control procedures
  • Cosmetic surgeries, dental surgeries, and plastic surgeries
  • Claim made with initial 30 days of the policy, except accidental claim

Plan-specific Exclusions:



Healthline Insurance

·      Pre-existing diseases are not covered until four years waiting period is completed

·      Injury due to war

·      Vaccination, unless it is part of post animal bite treatment

·      Non-medical expenses during hospitalization

·      Other specific diseases mentioned in the policy until two years from the purchase 

Hospital Cash Healthline

·      Pre-existing diseases are excluded until the 48-month time period has elapsed since the commencement of the policy

·      For the first individual Hospital Cash benefit policy, an illness diagnosable or diagnosed within 30 days of the policy period

·      Few other diseases mentioned in the policy are excluded for the first two years

MS Critical Healthline Insurance Plan

·      Any critical disease arising due to pre-existing conditions

·      Any critical illness diagnosed within the first 90 days

·      Death of insured before the survival period for specific diseases

·      Any ailment or injury due to misuse of alcohol or drugs

Super Top Up Insurance

·      Pre-existing diseases are not covered until a waiting period of 36 months in the Supreme plan and 48 months in Premiere plan has elapsed

·      Few diseases mentioned in the policy are not covered in the first year

Personal Accident Plan


·      Intentional or self-inflicted injury or suicide.

·      Death or injury due to war or similar conditions

·      Participation in naval, military or air force activities leading to death or injury

·      Any loss sustained under the influence of drugs or alcohol 

Eligibility Criteria to Buy Cholamandalam Health Insurance

Minimum Entry Age

18 years

Child: 90 days to 26 years

Maximum Entry Age

65/70 years

Policy Term

1,2,3 years

Sum Insured

Rs 1 lakh to 25 lakh 

Claim Process of the Chola MS Health Insurance Plan

The claim process can be a cashless or reimbursement type.

For Cashless Planned Hospitalisation

  • The insured person should approach one of the Network Hospitals and provide any government-issued photo identity proof.
  • The hospital then confirms the claim and sends it to the MS health insurance authority.
  • It is reviewed and approved according to the terms and conditions of the policy.
  • The hospital and the insured are notified if any other information is needed.
  • The payment is settled between the hospital and Chola health insurance.

For Cashless Emergency Hospitalisation

  • In case of emergency admission, a Network Hospital is to be contacted within 48 hours of hospitalization with government-issued photo identity proof.
  • The hospital then validates the claim.
  • It is then reviewed and confirmed by MS health insurance authority
  • The hospital and the insured are asked for additional details if needed.
  • The payment to the hospital is settled by MS health insurance directly.

In case, the cashless pre-authorization claim is rejected, one can apply for the reimbursement claim.

Reimbursement claim

  • MS health insurance authority to be notified within 48 hours of admission to Network or even non-Network hospitals.
  • The hospital bills are to be paid by the insured initially.
  • The claim is then to be submitted with relevant documents along with the reimbursement claim form.
  • Chola MS insurance executives shall review the claim and confirm payment under the policy of the insured.
  • The insured is paid the medical expenses up to the admissible amount.
  • If the claim is rejected, the reasons for it are communicated to the insured.

Renewal Process of the Cholamandalam Health Insurance

The policy can be renewed online by completing the following steps:

  • Go to the official website of
  • Tap on the ‘Health’ tab present on the home page of the website
  • Choose the ‘Renew’ option
  • Give the policy number and click on 'Proceed.'
  • Fill the required information like name, contact details, and email-id
  • Make the necessary payment with Debit/Credit card or net banking 

The policy has thus been renewed without any hassle of manually doing so. Otherwise, the nearest branch can be visited to pay the premium amount and renew the policy.

How to Buy the Cholamandalam Health Insurance?

The MS Health Scheme can be purchased online easily through Here are a few steps to make the process easy:

  • Visit the official website of Pisawiki.
  • Select the ‘Health’ option placed on the left side of the screen.
  • Provide the required information that is asked for like name, contact details and email-id.
  • Get the quotes suggested by the calculator as per your insurance requirement and compare.
  • Choose the right one, make the payment using Debit/Credit card or net banking.
  • Get the soft copy of the policy mailed to your registered email id.

Cholamandalam Health Insurance is thus bought online.


Written By: Paisawiki - Updated: 09 April 2021

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