How does the waiting period affect my coverage?

Coverage starts after 30 days, 24 months for specific treatments, and 36 months for pre-existing diseases.

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

Earn a no-claim bonus, increasing sum insured for the next year without extra cost.

Will my health insurance cover treatment abroad?

The policy does not cover treatment abroad; coverage is limited to hospitals within India.

Are there any add-ons available with Chola Flexi Health Supreme?

Yes, the plan offers add-ons like international medical second opinion and wellness programs to enhance coverage.

What exclusions apply to Flexi Health Supreme?

Exclusions include maternity expenses, cosmetic surgery, and infertility treatments.

OneAssure

Health Insurance

Cholamandalam MS General Insurance

Flexi Health Insurance Plan

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.

93.2

Claim Settlement Ratio

12000

Network Hospitals

7.7

Customer Rating

Policy Policy Wording

Get a Quote

93.2

Claim Settlement Ratio

12000

Network Hospitals

7.7

Customer Rating

Policy Policy Wording

Our Verdict

Expert Review: Cholamandalam MS General Insurance Health Insurance

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.

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

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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.

Cashless Healthcare Providers

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

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.

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.

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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...

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...