
Chola Flexi Health Insurance
93.2
Claim Settlement Ratio
12000
Network Hospitals
7.7
Customer Rating
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Get a Quote
93.2
Claim Settlement Ratio
12000
Network Hospitals
7.7
Customer Rating
Our Verdict
Expert Review: Cholamandalam MS General Insurance Health Insurance
Final Verdict
About
About Cholamandalam MS General Insurance Health Insurance
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.
Waiting Period
Initial Waiting Period: 30 days for all illnesses, excluding accidents.
Specific Treatments: 24 months for certain conditions like cataract surgery and joint replacements.
Pre-existing Diseases: Coverage begins after a 36-month waiting period.
Cashless Healthcare Providers
Extensive network of over 10,000 cashless healthcare providers across India.
Daycare Treatment
The plan covers all day care procedures requiring hospitalization for less than 24 hours, including surgeries and advanced treatments, up to the sum insured.
AYUSH Treatment
Expenses for alternative treatments under Ayurveda, Yoga, Unani, Siddha, and Homeopathy are covered up to the sum insured, promoting holistic healthcare options.
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.
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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