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Chola Flexi Health Insurance

Chola Flexi Health Insurance

Experience India's most trusted health insurance with Cholamandalam MS General Insurance Health Insurance. Get instant cashless treatment at 12000 network hospitals with sum insured up to ₹50 lakhs.

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93.2

Claim Settlement Ratio

12000

Network Hospitals

7.7

Customer Rating

Our Verdict

Expert Review: Cholamandalam MS General Insurance Health Insurance

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Final Verdict

Chola Flexi Health offers customizable coverage with options like super top-up, critical illness, and maternity benefits. Ideal for individuals or families seeking flexible health protection with additional wellness and accident coverage.

About

About Cholamandalam MS General Insurance Health Insurance

The Chola Flexi Health Insurance Plan offers customizable health coverage, allowing policyholders to select premium payment terms and treatment types to suit their needs. It provides comprehensive benefits, including inpatient hospitalization, pre- and post-hospitalization expenses, and coverage for alternative treatments under AYUSH. Policyholders can access a vast network of over 10,000 cashless healthcare providers across India. Additionally, the plan features a sum insured restoration benefit, ensuring continued protection even after a claim. 

Inclusions and Exclusions

Inclusions and Exclusions of Cholamandalam MS General Insurance Insurance Company Limited

Room Rent

  • Normal: Covered up to Sum insured

  • ICU: Covered up to sum insured

Advanced Treatments

  • Uterine Artery Embolization and HIFU (High intensity focused ultrasound)

  • Balloon Sinuplasty

  • Deep Brain stimulation

  • Oral chemotherapy

  • Immunotherapy - Monoclonal Antibody to be given as injection

  • Intra vitreal injections

  • Robotic surgeries

  • Stereotactic radio surgeries

  • Bronchical Thermoplasty

  • Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)

  • IONM - (Intra Operative Neuro Monitoring)

  • Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered up to sum insured.

Co-payment

  • The policy does not require any co-payment, allowing full coverage of eligible medical expenses up to the sum insured without additional out-of-pocket costs.

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Exclusions

  • Pre-existing diseases are not covered until the waiting period is completed.

  • Expenses for self-inflicted injuries, suicide attempts, or substance abuse treatments.

  • Cosmetic and aesthetic treatments unless medically necessary.

  • Treatments related to infertility, sterility, and assisted reproduction techniques.

  • Experimental or unproven medical treatments.

  • Injuries or illnesses arising from participation in hazardous activities or adventure sports.

  • Non-prescription supplements, vitamins, and wellness-related expenses.

  • War, nuclear hazards, or terrorism-related injuries.

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About the company

About the company

Cholamandalam Health Insurance is a product of Cholamandalam MS General Insurance Company Limited, a Murugappa Group of India, and Mitsui Sumitomo Insurance of Japan-origin joint venture established in November 2001. The company offers a variety of health insurance policies broadly designed to cover medical consumptions for individuals and families. Such health insurance plans usually help with hospitalization expenses, doctors’ consultation, surgery, medicines, and other ancillary medical expenses. The health care packages have already been made...

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