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Know All About Cholamandalam Health Insurance Claims And Renewal

Updated On Jul 30, 2021

Purchasing a health insurance policy is not the end of the procedure to protect yourself and your family against high medical expenses incurred during an emergency. A health insurance policy has to be claimed on time to avail its benefits. The claiming of the health insurance policy should be done soon after the hospitalization at the time of an unforeseen event. Health insurance covers come with a policy tenure after which the policy has to be renewed in order to continue availing its services. While renewing the policy you can either renew the same policy purchased previously or you can purchase another policy in case you were not satisfied with the services of the policy bought previously. 

Cholamandalam MS Health Insurance is a collaboration of Murugappa Group of India and Mitsui Sumitomo Insurance Company Limited of Japan. The company is known for its trust, transparency, and usage of advanced technology to deliver quality services to the policyholders. Under its health insurance plans it offers several options like critical illness plans, top-up plans, hospitalization plans, and a lot more. Cholamandalam MS Health Insurance has been recognized by several awards for its exemplary work in the insurance field. 

About Cholamandalam MS Health Insurance 

Cholamandalam MS Health Insurance provides comprehensive and extensive coverage to its customers and makes sure that all the demands of the customers are met under their purchased health insurance policy. Let us look at some of the standard features of Cholamandalam MS Health Insurance: 

  • The company has a network of around 8000+ linked hospitals that facilitate cashless claim benefits.
  • The firm had a claim settlement ratio of 56.25% in FY 2019-20. 
  • The company offers an option of lifetime renewability of policy to the customers. 
  • It also has short-term COVID-19 covers for the policyholders to deal with the global pandemic.

Know All About Cholamandalam Health Insurance Claims And Renewal

Cholamandalam MS Health Insurance Claim Process 

Cholamandalam MS Health Insurance is one of the reliable and trusted names in the health insurance market and therefore, can be counted on when planning to buy a health insurance policy. The company offers two types of claim settlement process namely cashless claims at the network hospitals and reimbursement claim process. Let us look at the steps involved in the entire claiming process: 

1. Cashless Claim Process 

Following are the steps that must be followed to avail the cashless claim facility at Cholamandalam MS Health Insurance: 

  • Get hospitalized in one of the network hospitals of the insurer and make sure it is well equipped and has all the necessary facilities. 
  • Produce your health ID at the hospital desk, after which the hospital will inform about your hospitalization to the insurer. 
  • Then you must submit your claim request to the insurer which will be processed and verified thoroughly by the company. 
  • Once your request is accepted, the insurer will clear all the medical dues with the hospital directly. 

2. Reimbursement Claim Process  

This type of a claim can be made after receiving treatment at any hospital of your choice. Let us look at the steps involved in the process for the policyholders: 

  • Get hospitalized in any hospital of your choice and inform the insurer about the same. 
  • Receive your treatment and pay all the medical bills before getting discharged.
  • Before leaving the hospital, collect all your original documents and bills as a proof. 
  • Submit all the bills and documents carefully with the claim request form to the insurance company. 
  • Once your claim request is approved, the claim amount will be transferred to your bank account by the insurer. 

Cholamandalam MS Health Insurance Renewal Process 

The health insurance policy purchased from the company comes with a policy tenure and therefore, it must be renewed after a particular time. If not renewed on time, you might not be able to avail the benefits of your previous policy. The renewal of your policy can be done online in quick and easy steps, following the below-mentioned process: 

  • Visit the official website of Cholamandalam MS Health Insurance
  • Under “ What insurance are you looking for?” tab, choose the “health” option. 
  • Click on the renew option on the screen. 
  • Enter all your policy details and click on submit
  • For confirmation make the payments and after some time the policy-related documents will be sent to your registered email ID. 


You must go through the policy-related documents carefully to make sure that there is no confusion at the time of the claim settlement process. You can also port your policy at Cholamandalam MS Health Insurance, if not satisfied with the services of the purchased health insurance cover. 

Must Read: Policy Terms of Cholamandalam MS Health Insurance Plans

Reasons to Review your Health Insurance Plan Every Year

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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