Cholamandalam MS Health Insurance Benefits

Cholamandalam MS Health Insurance

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8,000+ Network Hospitals

1,03,232 Policies Issued

35% Incurred Claim Ratio

Lifelong Renewability

50.01% Claim Settlement Ratio

Dedicated Claim Settlement

Coronavirus (COVID-19) Cover

Benefits of Cholamandalam MS Health Insurance

Established in 2001, Cholamandalam MS General Insurance Company is one of the largest public sector general insurance companies in India. Chola MS General Insurance Company Limited is a joint venture between the Murugappa Group and Mitsui Sumitomo Insurance Company Limited, Japan. The firm caters various sections of the society by providing them with different insurance products such as Motor, Property, Engineering, Marine, Travel, Health and Crop insurance for individuals and corporate. 
Chola MS has structured goodwill in the health insurance sector of India by offering comprehensive health insurance policies for individuals, families, senior citizens, critical illness patients, and so on. The organisation delivers various effective products for an individual as well as a family, which can be renewed online.
It also assists policyholders in buying a health insurance plan without any hassle in a few minutes. Chola MS General Insurance Company Limited offers many policies specially framed to provide wide coverage to customers. These coverages may comprise of AYUSH coverage, pre-and post-hospitalisation cover, pre-existing disease coverage, and so on. In addition to these, the insured members also acquire some added advantages such as cashless hospitalisation, customer support, grace period option, lifelong renewability, portability, and so on.  

  • Additional Benefit of Free Health Check up

    Chola MS General Insurance Company Limited offers health check-up for free to its customers after every two to three claim-free years, depending upon the plan and variant. This advantage is incorporated into the maximum health products provided by the organisation.
  • Additional Protection over Employer Coverage

    The insurance plan offered by the employer may not cover some ailments. Hence, with a suitable health insurance policy by Chola MS, you can get your plan enhanced and avail the advantage of additional protection.
  • Cashless Benefit

    Health insurance policies offered by the Chola MS are framed to assist you in overcoming the stress pertaining to finance during a medical emergency. But, with policies that provide cashless benefits, one can easily avail cashless treatment at 7,000+ network hospitals across the nation.
  • Claim Settement Ratio

    The most significant reason to buy a medical coverage plan is to remain assured that the plan will reimburse all or the maximum amount of medical expenses paid by you for which claim has to be made and settled. Chola MS owns a Claim Settlement Ratio of 48.53%*. The claim settlement ratio changes from time to time.
  • Coverage against Medical Expenses

    Chola MS General Insurance Company Limited offers reasonable coverage against medical costs through comprehensive medical coverage plans. Its policies usually provide the coverage for pre and post-hospitalisation costs, daycare procedures, ambulance charges, domiciliary hospitalisation charges, etc.
  • Incurred Claim Ratio

    Incurred Claim Ratio is the rate of net claims settled and paid by the insurance providing company to the net premium collected. The Incurred Claim Ratio (ICR) for Chola MS for the year 2019-2019 was 35%*. *However, the ICR of the insurer keeps changing with time.
  • Tax Benefit

    On buying the health insurance policies from Chola MS, the policyholders can enjoy tax-related benefits on the amount of premium paid as per the Section 80D of Income Tax Act, 1961.

Cholamandalam MS Health Insurance 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
Arogya Sanjeevani Policy Min: 3 months; Max: 65 years1 Lakh - 5 Lakh Get Quotes Now
Corona Kavach PolicyMin: 1 day; Max: 65 years50,000 - 5 lakh Get Quotes Now
Corona Rakshak PolicyMin: 18 years; Max: 65 years50,000 - 2.5 lakh Get Quotes Now

Cholamandalam MS Health Insurance 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

Cholamandalam MS Health Insurance User Reviews

  • Good option

    Arogya Sanjeevani Policy, Chola MS is a good option for people looking for an affordable health insurance plan. It is an indemnity based plan that cov...

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    Rahul Jaiswal
    On: Jun 17, 2020 | Views
  • Suitable plan for everyone

    I chose Arogya Sanjeevani Policy, Chola MS because it is an economic plan. Also, when I compared it with other health insurance plans in the market, I...

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    Yamini Sharma
    On: Jun 16, 2020 | Views
  • Must buy

    This is an affordable indemnity plan that covers all my health insurance requirements. It has all the necessary features that I wanted my family to be...

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    Deepanksha Arora
    On: Jun 15, 2020 | Views
  • Nice job done by InsuranceDekho

    InsuranceDekho offers me the best services always. This is the second time I purchased a health insurance plan and it was a great experience. The best...

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    Jyoti Chopra
    On: Jun 14, 2020 | Views
  • Buy from InsuranceDekho

    I chose InsuranceDekho for my health insurance needs after reading reviews from satisfied customers online. The buying process was smooth and the team...

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    Raunak Grover
    On: Jun 13, 2020 | Views
  • Added coverage

    I already had a health insurance plan and bought Chola MS Super Top up insurance plan for added coverage. It is a good plan and one can buy it apart f...

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    Nitesh Rajput
    On: Jun 04, 2020 | Views
  • Best experience ever

    InsuranceDekho always provides me with the best products. I bought Cholamandalam Healthline policy from them at an affordable premium. I took the esti...

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    Rishika Saluja
    On: Jun 02, 2020 | Views
  • Affordable premium.

    I bought a Healthline policy from Cholamandalam last week. I was happy to choose InsuranceDekho as the team helped me buy an affordable plan with many...

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    Sanket Singh
    On: May 30, 2020 | Views
  • Best Health Policy

    I just got my family members health insured with Cholamandalam Healthline Policy 1 year ago. This policy covers double coverage for critical illnesses...

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    On: May 28, 2020 | Views
  • Used premium calculator

    To buy Cholamandlam’s Healthline policy, I used InsuranceDekho’s premium calculator. It was easy to use and helped me get an estimate of t...

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    Jasmeet Hajelay
    On: May 26, 2020 | Views

Cholamandalam MS Health Insurance Contact Details

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Cholamandalam MS Health Insurance 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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