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Cholamandalam Health Insurance Customer Care
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Cholamandalam Health Insurance Customer Care

Cholamandalam health insurance or simply Chola MS is a combined venture by Mitsui Sumitomo Insurance Company Limited, Japan, and the Murugappa Group. They are providing health insurance services across India through their 109 official branches with over 9000 agents.

Chola MD health insurance provides you with a hassle-free cashless treatment option, including pre and post hospitalisation cost, ambulance charges, and medical investigations. Their health insurance services are offered to individuals between 18 to 65 years of age. They also offer cumulative bonuses and tax benefits to their customers/policyholders. Moreover, Cholamandalam health insurance customer care is there to assist and guide you 24 hours, apart from taking your complaints. 

What’s Cholamandalam Health Insurance Customer Care? 

The best service provider is one that can provide efficient customer support. Cholamandalam health insurance customer care is a well-organised customer support team that assists its customers quite efficiently.

The following points would give a glimpse of their efficiency:

  • Cholamandalam health insurance customer care provides a 24-hour customer care service.
  • One can contact the Cholamandalam health insurance customer care via 
  • Toll-free number for domestic customers or through intermediate agents for international customers
  • Email helpline service
  • SMS based helpline service
  • Their official site link for filing complaints
  • They have separate lines of telephonic contact for national and international customers
  • One can also reach them at their head office or other branches in different states if required
  • One has an option to reach higher authorities if issues are not addressed, or a proper resolution is not provided. They have a four-level customer grievance redressal platform to make sure the customer is satisfied

How to Connect Cholamandalam Customer Care?

There are various ways to connect to the customer care of Cholamandalam MS General Insurance. One can directly call on their tool-free number at



You can write to them at customercare[at]chola[dot]murugappa[dot]com

The Cholamandalam customer care also can be reachable through SMS at 9500000312.

What is the Need for Customer Care Support?

No matter how clear the instructions are provided in the health insurance policy, still many doubts may come in your mind.  There might be some trouble in getting a claim approved or anything else. Customer support is required even from a health insurance provider due to the following reasons:

  • Getting help regarding different health insurance policies or with the existing policy
  • To get issues resolved while filing a claim
  • To get information about documentations
  • Reimbursement or cashless facility issues during or after treatment
  • Get information about empanelled hospitals

Cholamandalam Health Insurance Customer Care: Grievance Procedure

With an excellent customer support team, Cholamandalam health insurance customer care would entertain you 24 hours. Any complaints or help or support required could be addressed to their customer care services anytime via toll-free phone, email, and SMS helpline services or at their respective nodal/district offices. 

There are four levels, starting from level 1 to level 4, to file the complaints. One could escalate the unresolved issues to higher levels in chronological order.

  • Level 1: one can register a complaint with the customer care through email, phone, etc. 
  • Level 2: Escalate the unresolved issue or unsatisfied resolution of the issue to the customer care manager if not satisfied with level 1 resolution.
  • Level 3: One can escalate further to nodal officers/chief grievance officer in case of no reply or unsatisfied response from level 2.
  • Level 4: One can finally reach out to the RBI Ombudsman if the complaint isn't resolved within a month from the date of complaint.

The following procedure however, needs to be followed to file a complaint against any issues in a proper managing way.

Level 1: Grievance Redressal Guidelines

  • Contact and register a complaint with customer care. Reach them through any of the aforementioned media.
  • Get a complaint reference number after filing the complaint.
  • An acknowledgement will be sent to you with the complaint reference number and details of issues filed with them. The acknowledgement would also give details about the estimated time and details to address and resolve the issue.
  • If one is not satisfied with the resolution provided, he/she may escalate the issue further in a proper manner.

Cholamandalam Health Insurance Customer Care: Escalation Matrix

If the issues are not resolved, or you found that the resolution is not appropriate, or for any other unsatisfactory outcome of your complaint, one can escalate the issue further to levels 2 to 4.

Escalation Matrix Guidelines

The following steps are to be followed here:

  • One can reach the customer service manager via email in case of an unsatisfactory response or no response from the customer care service.
  • In case you still are unsatisfied with the response or haven't received any response within ten days of the escalation, write to the Chief Grievance Officer
  • If, after observing all the steps above, the issues persist, one may approach the Insurance Ombudsman for Redressal. The details of the Insurance Ombudsman offices could be obtained from the official website, 

With great managerial procedures, transparent addressal system, clear guidelines, approachable employees, Cholamandalam health insurance customer care services are there to help and assist you 24 hours.

Cholamandalam Health Insurance Customer Care Offices 

Operating with over 1098 branches, Chola MS Genereal Insurance Company has a PAN India presence. Here are the branch offices across the country:

  • Andhra Pradesh-36
  • Assam-14
  • Bihar-24
  • Chattisgarh-34
  • Delhi-11
  • Goa-1
  • Gujarat-47
  • Haryana-16
  • Himachal Pradesh-5
  • Jammu&Kashmir-2
  • Jharkhand- 19
  • Karnataka-37
  • Kerala- 37
  • Madhya Pradesh-59
  • Maharashtra-63
  • Pondicerry-1
  • Punjab-26
  • Rajasthan-55
  • Tail Nadu-65
  • UP-44

Cholamandalam Health Insurance Customer Care FAQs

Written By: Paisawiki - Updated: 09 April 2021

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