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Cholamandalam MS Flexi Supreme Health Insurance

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Cholamandalam Health Insurance
Flexi Supreme
Cashless Approval TAT70 mins Cashless Claim Processing
Claim Settlement Ratio94%
Network Hospitals11,000+
Pre-existing Disease Waiting Period3 years
Special BenefitsHigh Coverage
Starting Premium of Rs. 5 lakhs SIRs. 407/month

About Cholamandalam MS Flexi Supreme Health Insurance

Chola Flexi Health Supreme is an all-inclusive health insurance plan designed for families. With this health insurance policy, you have the freedom to choose the policy duration, the premium amount you pay, and even the sum of money that's assured to you. What makes this health insurance plan stand out is that it covers up to 14 members of your family, and it allows you to access medical treatment in hospitals worldwide.

If you happen to get sick or need medical attention abroad, this policy will take care of the costs for in-patient hospital stays and daycare expenses. This means you can get treatment in any country, even if you were diagnosed in India, and the expenses will be covered. Moreover, you'll have access to a vast network of over 10,000 hospitals.

Chola Flexi Supreme Insurance At a Glance


Both individual and floater


Daily Allowance

Maternity Cover

Personal Accident Cover

Critical Illness Cover

Room Rent Waiver



Key features

Customizable Coverage, Affordable Premium, etc


Day Care Procedure, AYUSH Treatment, Accidental Injury and more


Illegal Activities and Substance Use

Self-Inflicted Injuries

Travel Expenses

Congenital Diseases and Birth Abnormalities

Variants of Chola Flexi Supreme Health Insurance Plan

Three different variants of Chola Flexi Supreme Health Insurance are as follows:





Sum Insured

Rs. 2 to Rs. 25 Lakhs

Rs. 5 to Rs. 25 Lakhs

Rs. 30 Lakhs to Rs. 5 Crores





Cumulative Bonus




Waiting Period for PED

36 Months

36 Months

24 Months

Health Check-Up

Once in two claim-free years up to defined limits

Once in two claim-free years up to defined limits

Once in two years, irrespective of claim status, up to defined limits

Maternity Cover

Not Covered

Reimbursement up to Rs.50,000 per delivery

after a waiting period of 36 months.

Reimbursement up to Rs.1 Lakh per delivery

after a waiting period of 36 months.

Riders Available With Chola Flexi Supreme Health Insurance

Following are the riders available with this health insurance policy:

  • Daily Allowance: This extra feature can provide financial support to policyholders during their hospital stay, covering non-medical expenses like transportation or attendant costs.
  • Maternity Cover: This rider ensures comprehensive coverage for pregnancy, childbirth, and associated expenses, including vaccinations and check-ups.
  • Personal Accident Cover: As the name implies, this add-on safeguards the insured in the event of an accident, offering coverage for damages or losses, making it vital for frequent travelers, especially vehicle owners. It covers both partial or permanent disability and the unfortunate event of the insured's death.
  • Critical Illness Cover: This rider provides policyholders with a substantial sum upon diagnosis of a critical illness, without considering cumulative treatment expenses.
  • Room Rent Waiver: The standard policy limits room rent during hospitalisation. However, the room rent waiver rider lets you either increase the limit or eliminate it entirely.

Key Features of Chola Flexi Supreme Health Insurance Plan

The key features of Chola Flexi Supreme Health Insurance Plan are listed below:

  • Customizable Coverage: Flexi-Health Supreme is designed to align with your unique lifestyle and preferences. You have the freedom to tailor your insurance plan, allowing you to adjust insured amounts, premium mode, and policy tenure. Essentially, you can choose the coverage amount and policy duration that suits your specific needs.
  • Inclusive of Alternative Therapies: Beyond traditional allopathic treatments, this policy extends coverage to alternative therapies, offering a well-rounded approach to your health. This means you have access to a broader range of healthcare options, promoting holistic well-being.
  • Affordable Premiums with Comprehensive Coverage: This policy comes at a low premium cost while still incorporating all essential features that a comprehensive health insurance policy should encompass. It offers cost-effective coverage without compromising on the breadth of benefits, making it accessible to a wide range of individuals.
  • Extensive Range of Benefits: Chola Flexi Health Supreme provides a range of benefits, ensuring your health and well-being. This includes a wide array of coverages, such as hospitalisation, medical expenses, global cover, PA cover, bariatric surgery, infertility treatment, and more, to protect you in various healthcare scenarios. The policy is designed to provide you with comprehensive protection.

Eligibility Criteria of Chola Flexi Supreme Health Insurance Plan

Listed below are the eligibility criteria for the Chola Flexi Supreme health insurance plan:


Eligibility Criteria

Minimum entry age

  • 18 years - For Self, Spouse, Parents, Parents-in law
  • 03 Months - Children up to 4
  • 05 Years - Siblings

Maximum entry age

  • 75 Years - For Self, Spouse, Parents, Parents-in law
  • 26 Years- Children up to 4
  • 75 Years - Siblings

Policy duration

1, 2 or 3 years

Sum insured

  • Basic Rs. 5/7.5/10/15/20/25 Lakhs
  • Plus Rs. 5/7.5/10/15/20/25 Lakhs
  • Premiere Rs.30/40/50/75 Lakhs, Rs.1/2/2.5/3/5 Crores

Benefits of Chola Flexi Supreme Health Insurance Plan

The benefits of the Chola Flexi Supreme Heath Insurance Plan are as follows:

  • Sum Insured Restoration: Chola Flexi Supreme offers an automatic sum-insured restoration feature. In the event of you exceeding your base sum insured, this policy automatically restores it, providing coverage for both related and unrelated illnesses.
  • Global Hospitalisation: This Chola MS health insurance plan ensures coverage for hospitalisation expenses worldwide, regardless of your location. The global hospitalisation feature eliminates geographical barriers to your healthcare access.
  • Wellness Advantage: With the Chola Flexi Supreme plan, you gain access to a wellness advantage. This includes continuous health monitoring, expert advice, online medicine purchases, and convenient booking of diagnostic appointments, all aimed at enhancing your well-being.
  • Cashless Facilities: In times of a health emergency, there's no need to worry about paying medical bills in cash. Opting for Chola MS network hospitals allows you to benefit from cashless treatment options, providing you with peace of mind.
  • Specialist Consultation Charge: Another great benefit of Chola Flexi Supreme health insurance plan is that you get the reimbursement for the cost of obtaining a specialist medical opinion.

Inclusions of Chola Flexi Supreme Health Insurance Plan

The Chola Flexi Supreme Health Insurance plan includes the following:

  • Coverage for Common Surgeries: This policy provides coverage for everyday surgeries such as cataracts, hemorrhoids, hernias, and sinusitis.
  • Pre-existing Medical Conditions: With the Chola MS Flexi Supreme plan, you're covered for pre-existing medical conditions after a waiting period of 36 months under the basic plan and 24 months under the premier plan.
  • Medical Investigations: This health insurance plan offered by Chola MS encompasses medical investigations like diagnostic tests, X-rays, blood examinations, ambulance expenses, ICU charges, doctor's appointments, and any other intensive care needs.
  • Accidental Injury Coverage: The plan also covers accidental injuries, and the best part is you don't need to worry about collecting bills and forms before receiving treatment, as the policy allows for cashless payment for your treatment.
  • AYUSH Coverage Expenses: This policy includes non-allopathic treatments like Ayurveda, Yoga, Unani, Siddha, and Homeopathy. It covers reasonable charges for hospitalisation under these systems if needed.
  • Daycare Procedures: Some treatments don't require overnight stays but still need hospital facilities. This policy covers procedures like cataract surgery, dialysis, and chemotherapy without the hassle of upfront payments.
  • Post-hospitalisation: Costs incurred after leaving the hospital are covered, including medicines, therapy, and specialist visits for recovery.
  • Pre-hospitalisation: Expenses before hospitalisation are covered as well, like tests and diagnostics, but after the initial waiting period.
  • Organ Donor Hospitalisation: The policy pays for expenses related to organ donation surgeries, saving lives without added financial burden.
  • Newborn Baby Cover: This policy takes care of expenses for inpatient hospitalisation of newborns from day one until the policy's expiration date, even for pre-existing conditions.
  • Domiciliary Hospitalisation: Get treatment at home for chronic conditions or prolonged recovery without worrying about the cost.
  • Emergency Ambulance: Coverage for ambulance expenses to get you to the nearest hospital in an emergency.

Exclusions of Chola Flexi Supreme Health Insurance Plan

Below listed are the things the Chola Flexi Supreme policy doesn't cover:

  • Illegal Activities and Substance Use: Treatment for conditions resulting from illegal activities or using illegal substances is not covered.
  • Self-Inflicted Injuries: The plan doesn't cover costs from self-inflicted injuries, including suicide attempts, whether a person was in a sound state of mind or not.
  • Travel Expenses: Travel expenses, except for ambulance charges, are not included in the coverage.
  • Congenital Diseases and Birth Abnormalities: The plan also doesn't provide coverage for external congenital diseases, defects, or abnormalities from birth.

Documents Required to Buy Chola Flexi Supreme Health Insurance Plan

To purchase the Chola Flexi Supreme Health Insurance Plan, you'll need to provide the following documents:

  • A completed application form.
  • A document confirming your identity, such as your Aadhar card, passport, voter ID, or driver's license.
  • A document verifying your age, which can be a birth certificate, school leaving certificate, or passport.
  • Proof of your address, such as utility bills, a rental agreement, or your Aadhar card.
  • Passport-sized photographs.
  • In some cases, you may be asked to provide medical reports or pre-policy health check-up reports.
  • Any additional documents that the insurance company may request as part of the application process.

How to Buy Chola Flexi Supreme Health Insurance Plan?

Follow these steps to get the Chola Flexi Supreme health insurance plan through InsuranceDekho:

Step 1: Begin by going to the Health Insurance section on the official InsuranceDekho website.

Step 2: Next, select "Cholamandalam MS Heath Insurance" from the list of Health Insurance Companies.

Step 3: Then, choose "Chola Flexi Supreme" from the available health insurance plans.

Step 4: Carefully go through the terms and conditions provided in the Chola Flexi Supreme policy document.

Step 5: To complete the Chola Flexi Supreme KYC process, make sure to upload all the necessary documents.

Step 6: After successfully completing KYC, proceed to make the premium payment online.

Step 7: You'll receive the policy document in your registered email address.

Claim Process of Chola Flexi Supreme Insurance Plan

The Chola Flexi Supreme insurance plan offers two ways to make a claim: Cashless Claim and Reimbursement Claim.

Cashless Claim:

  • Go to a hospital near you that's part of the Chola MS insurance network.
  • Share your Chola Flexi Supreme plan information and any required details.
  • Submit the necessary documents, and the insurance company will send a pre-authorisation form.
  • Once the insurance company checks the documents, your medical expenses will be directly paid by them at the network hospital.

Reimbursement Claim:

  • Choose any nearby hospital and cover your medical expenses.
  • Make a reimbursement claim request on the insurance company's website.
  • Provide the Chola Flexi Supreme claim form and all the relevant plan information.
  • Once approved by the insurance company, they will process the reimbursement for the policyholder.

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Claim Process at Cholamandalam Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 48 hours and for planned hospitalisation intimate within 72 hours prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 48 hours and for planned hospitalisation intimate within 72 hours prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

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

FAQs on Flexi Supreme Health Insurance Plan

  • What is the Sum Insured Restoration feature in Chola Flexi Supreme?

    The Sum Insured Restoration feature ensures that if your coverage falls short due to prior claims within a policy year, it is automatically restored, providing continuous protection.

  • Can I use Chola Flexi Supreme for medical treatment outside India?

    Yes, this policy offers global hospitalisation coverage, allowing you to access medical treatment worldwide, including outside India, as recommended by your doctor and as specified in the policy document.

  • What are the Wellness Advantage services included in Chola Flexi Supreme?

    The Wellness Advantage provides digital wellness services, such as health monitoring, fitness programs, digital health coaching, and preventive health check-ups, enhancing your overall well-being.

  • Does Chola Flexi Supreme cover alternative therapies?

    Yes, in addition to allopathy, this policy covers alternative therapies, allowing you to embrace a safe lifestyle while maintaining your health.

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