Chola MS

16 reviews Rate This
  • 7,000+ Network Hospitals
    Check in your City
  • 91,553 Policies Issued
  • 39.96% Incurred Claim Ratio
  • Lifelong Renewability
  • 48.53% Claim Settlement Ratio
  • Dedicated Claim Settlement

About Chola MS

Cholamandalam MS General Insurance is a leading general insurance brand in the Indian insurance sector. Founded in 2001, the company is a joint venture between the Murugappa Group and the Mitsui Sumitomo Insurance Group (MSIG). The former is an Indian conglomerate, and the latter is a Japanese assurance firm. The health insurance organisation, headquartered in Chennai, offers an assorted range of insurance products such as Health Insurance, Travel Insurance, Motor Insurance, Home Insurance, Personal Accident, etc. The organisation focuses on customer satisfaction through operational effectiveness and innovation.

Cholamandalam MS General Insurance owns an extensive range of branch network with around 90 centres across the nation. It extends its support to the customers with the help of its strong network of 7000 agents, which is assisted by substitute channels of distribution, for example, partnerships with auto companies, bancassurance partners and so on. The firm acquires several product lines to cope up with retail customers comprising Home, Auto, Travel, and Personal insurance accompanying business protection solutions for commercial clients. 

Key Highlights

  • 39.96% of Incurred Claim Ratio
  • 24*7 claim assistance service 
  • 91,553 policies have been issued
  • 7,000+ cashless network hospitals
  • Lifelong renewability option available 
  • Tax savings as per section 80D of IT Act
  • Double coverage for critical illness and accident treatment

Chola MS is a paramount firm of Indian health insurance sector where it offers a variety of health insurance plans. The health insurance policies provided by the Cholamandalam MS Company attains a lot of benefits and comprehensive coverage at reasonable prices to safeguard the policyholders against health and financial risks in life. In 2011-2012, the company was given the award for the best insurance company in India for “In Time Claims Settlement”. Hence, it is appreciated across the market for delivering exceptional services related to health care within the reach of common people. 

The prime objective of Cholamandalam MS company is to guide people towards a healthy life. To make this happen, the insurer presents one of the best health insurance policies before the customers and enable them to protect themselves as well as their families. 

Chola MS Plan List

Name of PlanSum Insured
Healthline Policy Min: 90 Days; Max: 65 Years1 Lakh Get Quotes Now
Critical Healthline PolicyMIn: 5 Years; Max: 65 Years3 Lakh Get Quotes Now
Hospital Cash Healthline PolicyMIn: 3 Months; Max: 65 Years1000/day Get Quotes Now

Chola MS Top Up List

Name of PlanSum Insured
Super Top-up Insurance PlanMIn: 3 Months; Max: 70 Years3 Lakh Get Quotes Now
Top Up Healthline PolicyMin: 3 Months; Max: 65 Years50 Thousand Get Quotes Now

Claim Process at Chola MS

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Intimation

    Emergency hospitalisation needs intimation within 48 hours and for planned hospitalisation intimate within 72 hours prior to admission.
  • 2

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 3

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 4

    Claim Assistance

    For any assistance call Insurancedekho at 1800-120-5698 or call toll free number of Chola MS at 1800-208-5544.
  • 1

    Claim Intimation

    Emergency hospitalisation needs intimation within 48 hours and for planned hospitalisation intimate within 72 hours prior to admission.
  • 2

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 3

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.
  • 4

    Claim Assistance

    For any assistance call insurancedekho at 1800-120-5698 or call toll free number of Chola MS 1800-208-5544.

Chola MS User Reviews

  • Chola MS - Another name for reliability.

    This is an insurer I actually trust from the heart. It is an epitome of reliability. I have always found the best services and offerings from their side. Their plans are economical and designed in a way to look after every middle-class household in their bad times without making them invest much.

    On: Oct 18, 2019 | Views
  • None of a kind firm!

    The level of this health plan is quite high. It doesn’t just render quick services but also offer a wide range of features. I am a huge fan of Chola MS.

    On: Oct 18, 2019 | Views
  • The best in the market

    I am using 2 policies of Chola MS Insurance Company for last 3 years and found my complete family quite satisfied with its benefits and services. It has a dedicated customer support staff, fast claim settlement services, multiple plans and so on. This is the best of all the insurers I have associated with til today. 

    On: Oct 15, 2019 | Views
  • The best a customer can get!

    The insurer is a paramount name in the health insurance industry. The Chola MS offers a variety of health insurance plans with large coverage and highly dedicated and committed customer support staff. In short, This is a royal and reliable plan. 

    On: Oct 15, 2019 | Views
  • Its services and offerings are awesome!

    The Chola MS gives the best services and offerings in the health insurance market. I have used different health insurance plans from different insurers, but found Chola MS the best of all. It offered me everything from diverse features, bonuses to quick claim settlement. It delivers its best every time.  

    On: Oct 09, 2019 | Views
  • Go for it!

    Just go for this insurer and you will never have any tension related to health insurance. I bet no one can get better than this in the whole market of health insurance. If you are still thinking, you are delaying. 

    On: Oct 09, 2019 | Views
  • Trusted and Reliable Firm

    I am using the health insurance plans of Chola MS Company and believe that the trust and reliability they offer can’t be provided by any other insurance firm. They actually behave and perform like an esteemed group. I would like to be associated with them for long.  

    On: Sep 30, 2019 | Views
  • The best of all.

    The Chola MS, a part of Murugappa Group Company, always stay a step ahead by its competitors. The effective and efficient utilisation of technology has always been a feather in their cap. Their clear and honest insights always help you stay protected from medical contingencies and financial crisis.  

    On: Sep 30, 2019 | Views
  • Experience

    At first, I was quite apprehensive with taking a policy from a new website. But then, when I talked with the executives all my doubts were cleared and I not only purchased the policy but also recommended it to my friends.

    On: Sep 06, 2019 | Views
  • Claim got easy

    With InsuranceDekho team, the claim from Chola MS got very smooth. I got complete coverage in no time. 

    On: Aug 15, 2019 | Views
  • Insurance Dekho is a saviour!

    Bought a Healthline family floater policy by Cholamandalam MS from the Insurance Dekho helped me in finding the Healthline policy after proper comparison and analysis. The family plan covers my entire family and offers the best available features at affordable rates. Therefore, it is considered a complete family package.  

    On: Jul 11, 2019 | Views
  • Satisfied to the core!

    When it comes to advising about insurance plans, Insurance Dekho team tops in it. Insurance Dekho team suggested me a daily benefit plan of MS Chola. Through which I get fixed daily allowances during hospitalisation that takes care of miscellaneous expenses and lessen the burden of medical bills.

    On: Jul 11, 2019 | Views
  • I recommend Chola MS to all.

    I own a family floater plan of MS Chola for 2 years. But, I made the claim for the very first time last month. Now I have received the claim and very happy to experience the prompt service of Chola MS health insurance firm. The process was very easy and swift. I will recommend Chola MS to all. 

    On: Jul 11, 2019 | Views
  • Chola MS is a friend indeed!

    I have an individual Healthline plan by Cholamandalam MS from last one year. However, no claim has been made by me since the date of policy purchase, but still, the features with the comprehensive approach boost my confidence a lot. It feels like a kind of shield thoroughly protects my health.

    On: Jul 10, 2019 | Views
  • Thanks a lot to Chola MS

    The critical illness plan of Cholamandalam MS is no less of a blessing for me. I bought the plan for my mother, who was suffering from Cancer. The policy helped me a lot in getting her treated with the best procedures and proper medication without worrying about the expenses. Thanks a lot to Chola MS.

    On: Jul 09, 2019 | Views
  • Top-notch service by Insurance Dekho!

    When my existing health insurance plan fell short to cover my medical expenses, Insurance Dekho team suggested me buy a super top-up plan from Chola MS. I bought the top-up plan that provided an additional coverage to meet my soaring medical bills. Thanks a lot, Insurance Dekho for suggesting this plan to me.

    On: Jul 07, 2019 | Views

Latest Chola MS News

Chola MS Contact Details

Reach us for help anytime

Chola MS FAQs

  • Does Cholamandalam MS General Insurance Company offer any family floater health insurance policy?

    Yes. Chola MS provides health insurance policies, which are framed especially for families. The Healthline health insurance plan is a popular product offered for families.

  • Are customers required to go through medical check-ups for buying health insurance policies from Chola MS insurance firm?

    Yes, under a few plans by Chola MS the applicants are required to go through pre-acceptance medical screening or test. In case, if the proposal is accepted, 100% cost of the check-up is reimbursed to the applicant.  

  • Does Cholamandalam MS General Insurance Company offer coverage for critical illnesses under any of its policies?

    Yes. Chola MS insurance firm offers a speficially-designed plan to provide coverage related to critical illnesses.

  • Does Chola MS Insurance Company provide Hospital Cash benefit under any of its health plans?

    Yes, Cholamandalam MS General Insurance Company provides a separate plan known as Chola Hospital Cash Healthline to offer hospital cash benefit to the customers.

  • How to purchase and apply for health insurance policies plans by Cholamandalam MS General Insurance Company?

    To buy a health insurance policy from Cholamandalam MS General Insurance Company applicants can either visit the company’s official website, i.e. or can buy it from the leading online broker’s website i.e.,

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