What does Cholamandalam Health Insurance cover?

Hospitalisation, daycare treatments, pre- and post-hospitalisation, critical illnesses, maternity, newborn care, and preventive health check-ups are covered.

Are pre-existing diseases covered?

Only after the waiting period allowed for pre-existing conditions in the policy will they be covered.

Does it cover critical illnesses like cancer or heart attack?

Certainly, choices of cover enabling severe diseases like cancer, heart attack, stroke, and kidney failure are possible.

Are maternity and newborn expenses covered?

In some cases, delivery, baby care, and vaccination are part of the plan.

Is the policy covering ambulance charges?

Usually, ambulance charges are a part of the emergency section and are covered under the plan.

Are outpatient treatments covered?

Mainly Cholamandalam Health Insurance focuses on inpatient and daycare treatments. However, outpatient treatments can be allowed in certain add-on plans.

Is pre-hospitalisation and post-hospitalisation covered?

Yes, medically caused expenses before and after hospitalisation as per policy limits are covered.

What is a cashless claim?

In a cashless claim, the hospital bills are paid directly by the insurance company at network hospitals. You don’t have to pay anything from your pocket (except personal expenses).

How do I make a cashless claim?

Visit a network hospital, inform OneAssure, carry your ID and health card, fill the pre-authorization form, and wait for approval.

What is a reimbursement claim?

If you go to a non-network hospital, you pay the bill yourself and submit documents to the insurer to get the money back.

How long does it take to settle a cashless claim?

Usually within a few hours for planned treatments; emergencies may be faster.

How long does reimbursement take?

After submitting all documents, claims are processed within the period mentioned in your policy, usually 15–30 days.

What documents are needed for reimbursement?

Hospital bills, receipts, prescriptions, test reports, discharge summary, and the filled claim form.

Can I claim for multiple hospitalisations in a year?

Yes, as long as your total claim amount doesn’t exceed the sum insured.

What if my claim is partially rejected?

You will receive the approved amount, and reasons for rejection will be shared.

It is the maximum amount your insurance will pay during a policy year.

What is a waiting period?

The period you must wait before certain treatments or pre-existing diseases are covered.

What is a network hospital?

Hospitals tied up with the insurance company where you can avail of cashless treatment.

The percentage of the claim amount you may need to pay yourself, as per policy terms.

What is a deductible?

A fixed amount you must pay before the insurance starts covering your expenses.

Can I increase my sum insured later?

Yes, you can opt for a top-up or enhancement at policy renewal.

Are preventive health check-ups included?

Many plans include annual check-ups to detect health issues early.

Can I cover my parents or spouse?

Yes, most plans allow covering family members including spouse, children, and parents.

Are daycare procedures covered?

Yes, hundreds of procedures are covered even if hospitalisation is less than 24 hours.

Does the policy cover alternative treatments like Ayurveda or Homeopathy?

Some plans provide coverage for alternative medicine treatments in network hospitals.

OneAssure

Health Insurance

Cholamandalam MS General Insurance

Health Insurance Plans

Cholamandalam MS General Insurance Health Insurance Plans

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93.2%

Claim Settlement Ratio

12,000+

Network Hospitals

7.2

Overall Rating

Cholamandalam MS General Insurance

Our Verdict About Cholamandalam Health Insurance

Cholamandalam Health Insurance serves 5 crore+ customers across India and offers 24x7 claim support. With strong financial stability and a growing network of hospitals, it provides reliable, affordable health cover for families and individuals.

What We Like

Competitive premiums and multiple plan choices

10,000+ network hospitals with quick claim support

Restoration and recharge benefits in select plans

Comprehensive coverage including daycare, donor, and domiciliary car

Wide sum insured options (₹50,000 – ₹5 crore) for varied needs

Areas of Improvement

Some treatments and consumables not covered

Sub-limits and waiting periods in certain plans

What We Like

Competitive premiums and multiple plan choices

10,000+ network hospitals with quick claim support

Restoration and recharge benefits in select plans

Comprehensive coverage including daycare, donor, and domiciliary car

Wide sum insured options (₹50,000 – ₹5 crore) for varied needs

Areas of Improvement

Some treatments and consumables not covered

Sub-limits and waiting periods in certain plans

Final Verdict

Chola MS Health Insurance offers a strong overall value proposition for both families and individuals: good plan variety, broad cover, strong hospital network, and extras like restoration benefits. It is especially suited if you’re looking for flexible sum insured & good hospital access. However, as with all health insurance, you’ll...

Chola MS Health Insurance offers a strong overall value proposition for both families and individuals: good plan variety, broad cover, strong hospital network, and extras like restoration benefits. It is especially suited if you’re looking...

Cholamandalam MS General Insurance Health Insurance Plans

Flexi Health Supreme Premiere

Flexi Health Supreme Plus

Flexi Health Insurance Plan

Flexi Health Supreme Premiere

Flexi Health Supreme Plus

Flexi Health Insurance Plan

Cholamandalam MS General Insurance

Customer Testimonials

Real experiences from our valued customers who have chosen our insurance coverage.

Have been associated with Ruchir and his team… They have provided me excellent guidance in choosing the right plans for myself and my family……always been available to assist with any insurance/claim queries.

Nakul N

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Have been associated with Ruchir and his team… They have provided me excellent guidance in choosing the right plans for myself and my family……always been available to assist with any insurance/claim queries.

Nakul N

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

OneAssure helped me understand my needs and choose a product that was right for me. There was no pressure tactics or mis-selling. This experience was respectful, informed, and completely stress-free.

Shreya Goyal

Had a great experience with OneAssure during my insurance claim process. A special shoutout to Sunad Raj for his exceptional support, he was professional, responsive, and guided me every step of the way. Thanks to his consistent follow-ups and clear guidance, the entire claim settlement was smooth and hassle-free. Highly recommend OneAssure for their service and transparency!

Sanjay Dakalia

The team is very professional and prompt. I would have all my health and life insurance needs met through them.

Harish Jindal

Very professional service from Ruchir & Aman. They were recommended by a friend who had a positive experience with them. I have taken both health and life policies through them and they have advised me well throughout the process and found the best options available in the market. I had a medical condition due to which it was difficult to find a suitable health policy in the market, however this team was able to find one for me. I would recommend their services to anyone looking to buy health or life insurance.

Siddhartha Saha

Wonderful experience with Prost. Right from suggesting the insurance products to claim process the entire experience hai been seamless. They do not mis-sell and are very transparent. Sundar Raj from the team has been wonderful and ensured prompt guidance. All the best Ruchir and keep up the good work!

Adarsh Ravindranathan

Why Choose Cholamandalam Health Insurance Plans?

Extensive Hospital Network

Get access to over 12,000+ empanelled hospitals across India for smooth and cashless treatment whenever you need it.

Quick & Hassle-Free Claims

Experience fast claim approvals with both cashless and reimbursement options designed for convenience and minimal paperwork.

Comprehensive Plan Options

Choose from a wide range of health plans and top-ups—from individual and family coverage to senior-citizen and critical-illness protection.

Affordable Premiums with Flexible Benefits

Enjoy budget-friendly premiums and customize coverage as per your health and financial needs without compromising on quality care.

Extensive Hospital Network

Get access to over 12,000+ empanelled hospitals across India for smooth and cashless treatment whenever you need it.

Quick & Hassle-Free Claims

Experience fast claim approvals with both cashless and reimbursement options designed for convenience and minimal paperwork.

Comprehensive Plan Options

Choose from a wide range of health plans and top-ups—from individual and family coverage to senior-citizen and critical-illness protection.

Affordable Premiums with Flexible Benefits

Enjoy budget-friendly premiums and customize coverage as per your health and financial needs without compromising on quality care.

Documents Required

Identity Proof

Aadhaar Card, PAN Card, or Passport

Address Proof

Utility Bill or Voter ID

Age Proof

Birth Certificate or Driving License

Photographs

Recent passport-size photos

Income Proof

Needed only for high cover plans (if applicable)

Identity Proof

Aadhaar Card, PAN Card, or Passport

Address Proof

Utility Bill or Voter ID

Age Proof

Birth Certificate or Driving License

Photographs

Recent passport-size photos

Income Proof

Needed only for high cover plans (if applicable)

Cholamandalam MS General Insurance

Claim Settlement Process

Quick and hassle-free claim settlement with dedicated support to ensure timely approvals and smooth hospital experiences

1-5 of 6 Process

Cholamandalam MS General Insurance

Renewal Process

Easily renew your policy online or offline to enjoy uninterrupted health coverage

Cholamandalam MS General Insurance Network Hospitals

12,000+

Network hospitals across the country for cashless treatment

700+

Cities covered nationwide for easy access to quality healthcare

700+

States and union territories ensuring comprehensive coverage

12,000+

Network hospitals across the country for cashless treatment

700+

Cities covered nationwide for easy access to quality healthcare

700+

States and union territories ensuring comprehensive coverage

Cholamandalam MS General Insurance

Features Comparison

Senior Citizen Health Plan

Secure against age-related medical costs
Tailored for seniors healthcare needs

Family Health Plan

One policy covers the entire family
High sum insured with cashless care
Multiple coverage options based on your family needs

Maternity Health Plan

Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs

Senior Citizen Health Plan

Secure against age-related medical costs
Tailored for seniors healthcare needs

Family Health Plan

One policy covers the entire family
High sum insured with cashless care
Multiple coverage options based on your family needs

Maternity Health Plan

Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs

Cholamandalam MS General Insurance

Need help finding the right health plan?

Our experts offer personalised recommendations tailored to your age, family size, and health profile, ensuring you select the ideal coverage

FAQs

Frequently Asked Questions

Got questions about health insurance? You’re not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.