Chola Flexi Health Insurance
Cholamandalam MS General Insurance
7.7/10
OneAssure Rating
7.7/10
OneAssure Rating
Highlighted Features
Room Rent (Normal & ICU)
Covers hospitalization expenses up to the sum insured with no capping on room charges, ensuring comprehensive coverage.
Advanced Treatments
Includes modern procedures like robotic surgeries, stem cell therapy, and oral chemotherapy, offering access to cutting-edge medical care.
Policy Wording
Explore more features
Our 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 the Plan
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.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent
- Normal: Covered up to Sum insured
- ICU: Covered up to sum insured
- Normal: 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.
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.
Injuries caused by criminal acts or unlawful activities.
Treatment for mental disorders, depression, or psychiatric illnesses unless explicitly covered.
Exclusions
Related Variants
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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 treating and protecting. The insurance policies are now available either as individual or family floater options that can provide an easier fit to the diverse health care requirements.
Cholamandalam MS General Insurance mainly focuses on affordability and accessibility with the objective of providing quality healthcare services to the wider population. Cholamandalam Mediclaim Policy is becoming popular with the support of its customer-friendly products and a large hospital network as one of the most reliable decisions to take care of your health and financial needs in India
About the Company
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