Chola Flexi Health Supreme Premiere
Cholamandalam MS General Insurance
7.5/10
OneAssure Rating
7.5/10
OneAssure Rating
Highlighted Features
Room Rent (Normal & ICU)
Chola Flexi Health Supreme (Premiere) offers no capping on room rent or ICU charges.
Advanced Treatments
Covers robotic surgeries, chemotherapy, stem cell therapy, and specialized treatments, ensuring access to modern medical advancements
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Our 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 the Plan
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.
About the Plan
Product Stats
Rating
Features of the Product
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.
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.
OPD consultations, routine medical check-ups, and preventive healthcare expenses are not covered unless specified.
Any hospitalization for rest, recuperation, rehabilitation, or long-term care is excluded.
Exclusions
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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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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.
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.
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