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 12000 network hospitals with sum insured up to ₹50 lakhs.

93.2

Claim Settlement Ratio

12000

Network Hospitals

7.5

Customer Rating

Get a Quote

93.2

Claim Settlement Ratio

12000

Network Hospitals

7.5

Customer Rating

Our Verdict

Expert Review: Cholamandalam MS General Insurance Health Insurance

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 Health Insurance

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...

Inclusions and Exclusions

Inclusions and Exclusions of Cholamandalam MS General Insurance Insurance Company Limited

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.

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.

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

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.

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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.
Congenital diseases, genetic disorders, and birth defects are not covered under the policy.
Hospitalization due to participation in hazardous sports, adventure activities, or war-related injuries is excluded.
Any expenses incurred for weight control treatments, obesity management, or bariatric surgery are not covered.

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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...

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.