How does the waiting period affect my coverage?

The waiting period applies to pre-existing conditions and specific treatments, delaying coverage until the required waiting period is completed.

What if I don’t use my health insurance benefits for the entire year?

If no claims are made, you may receive benefits like a No Claim Bonus (NCB) that increases your sum insured.

Does the Chola Flexi Health Supreme (Premiere) plan cover treatment abroad?

The plan primarily covers treatments within India, but select variants or add-ons may provide limited international medical coverage.

Can the Flexi Health Supreme policy be renewed without medical tests?

Yes – you can renew Flexi Health Supreme without medical tests, as long as you're under 55 (no pre-policy tests required) and you're not increasing sum insured or altering policy terms at renewal

OneAssure

Health Insurance

Cholamandalam MS General Insurance

Flexi Health Supreme Premiere

Chola Flexi Health Supreme Premiere

Experience India's most trusted health insurance with Cholamandalam MS General Insurance Health Insurance. Get instant cashless treatment at 5500 network hospitals with sum insured up to ₹50 lakhs.

93.2%

Claim Settlement Ratio

5500+

Network Hospitals

7.5

Customer Rating

Policy Brochure

Get a Quote

93.2%

Claim Settlement Ratio

5500+

Network Hospitals

7.5

Customer Rating

Policy Brochure

Our Verdict

Expert Review: Cholamandalam MS General Insurance Flexi Health Supreme Premiere

Final Verdict

Chola Flexi Health Supreme (Premiere) is ideal for individuals seeking premium, global health coverage. It offers high sum insured, no room rent limits, and critical illness benefits, but add-ons may increase costs. Best for those prioritizing flexibility, worldwide emergency care, and comprehensive protection.

About

About Cholamandalam MS General Insurance Flexi Health Supreme Premiere

Chola Flexi Health Supreme (Premiere) is a high-end health insurance plan designed to provide extensive medical coverage with flexibility. It offers a high sum insured, covering hospitalization expenses, advanced treatments, pre-and post-hospitalization costs, and domiciliary care. The plan includes modern treatments, daycare procedures, and organ donor expenses. Policyholders can access benefits like no room rent capping, worldwide emergency coverage, and a wellness rewards program. With multiple add-ons and a hassle-free claims process, it ensures comprehensive financial security against medical emergencies.

Chola Flexi Health Supreme (Premiere) is a high-end health insurance plan designed to provide extensive medical coverage with flexibility. It offers a high sum insured, covering hospitalization expenses, advanced treatments, pre-and post-hospitalization costs, and domiciliary care. The plan includes modern treatments, daycare procedures, and organ donor expenses. Policyholders can access benefits like no room rent capping, worldwide emergency coverage, and a wellness rewards program. With multiple add-ons and a hassle-free claims process, it ensures comprehensive...

Premiere Ratings

Ratings: Cholamandalam MS General Insurance Premiere

Insurer Rating

6.65

out of 10

Insurance Rating

9.25

out of 10

No Room Rent Limit

Yes

Consumables Covered

Yes

No Co-payment

Yes

Loyalty Bonus >= 500%

Yes

No Disease Sublimits

Yes

Unlimited Restoration

Add on

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

No

Maternity Available

Yes

Waiting Period Waiver

No

Testimonials

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

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

Mumbai, Maharashtra

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

Mumbai, Maharashtra

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

Bengaluru, Karnataka

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

Jaipur, Rajasthan

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

West Bengal

swipe

Inclusions and Exclusions

Inclusions and Exclusions of Cholamandalam MS General Insurance Flexi Health Supreme Premiere

Room Rent

Chola Flexi Health Supreme (Premiere) offers no capping on room rent or ICU charges.

Advanced Treatments

Chola Flexi Health Supreme (Premier) covers advanced treatments, including robotic surgeries, stem cell therapy (for approved conditions), organ transplant expenses, bariatric surgery, and modern cancer treatments like immunotherapy. It also includes specialized procedures such as deep brain stimulation, proton beam therapy.

Co-payment

Chola Flexi Health Supreme (Premiere) has no mandatory copayment.

Cashless Healthcare Providers

Extensive network of over 10,000 cashless healthcare providers across India.

Waiting Period

Chola Flexi Health Supreme (Premiere) has a 30-day initial waiting period, 24 months for specific illnesses, and 48 months for pre-existing diseases.

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

Chola Flexi Health Supreme (Premiere) offers no capping on room rent or ICU charges.

Advanced Treatments

Chola Flexi Health Supreme (Premier) covers advanced treatments, including robotic surgeries, stem cell therapy (for approved conditions), organ transplant expenses, bariatric surgery, and modern cancer treatments like immunotherapy. It also includes specialized procedures such as deep brain stimulation, proton beam therapy.

Co-payment

Chola Flexi Health Supreme (Premiere) has no mandatory copayment.

Exclusions

Pre-existing diseases are not covered during the initial waiting period as specified in the policy.
Treatments related to self-inflicted injuries, suicide attempts, or substance abuse are excluded.
Cosmetic or plastic surgeries unless required due to accidents or medical necessity are not covered.
Dental treatments and procedures unless arising from accidental injuries are excluded.
Expenses related to infertility treatments, IVF, or assisted reproductive procedures are excluded.

Insurance Premium Calculator

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Name

Phone Number

Email

Your Enquiry

Name

Phone Number

Email

Your Enquiry

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 with the provisions for the critical diseases like cancer, heart, kidneys, and stroke from which the patient can also get customized plans of covid-19 for...

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...

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.