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Health Insurance

Life throws challenges at us all the time. One way to ensure that you always come out on top is to opt for health insurance. The premiums are a small price to pay to ensure not only peace of mind but also financial support for a wide range of illnesses.

According to a World Bank report published in 2012, the out-of-pocket expenditure on health (percentage of private spending on health) stood at 87.0% in 2011. The only way to make sure that you aren't part of this staggering figure is to insure yourself and your loved ones. Whether there is a terminal or critical illness or if one meets with an accident, having health insurance ensures that you and your family aren't put through a huge financial burden.

Chola MS Health Insurance offers you a variety of options to choose from. Secure your future and your finances by making the right choice.

Buy Health Insurance Early


Chola MS Health Insurance can provide you great relief in times of stress. Our health insurance policies ensure coverage for individuals and their family members against expenses that include hospitalization, diagnostic charges, medicine and other medical expenses.

Our policies also ensure that you are covered for medical conditions that may occur over time, provided that there is no break in the policy. You also get benefits in income tax under Section 80D of the Income Tax Act.

Some of our add-ons help you take care of your family's healthcare, including daily medical expenses and get instant cash when you require urgent hospitalization.

Chola MS brings to you a range of health insurance and hospitalization products that are suitable for you and your family.

Chola Healthline  
Chola Healthline

Chola Healthline is a comprehensive Health Insurance Policy which provides coverage for medical expenses for families on a floating sum insured basis covering Self, Spouse and dependent children or on individual sum insured basis covering Self, Spouse, dependent children, dependent parents, parents-in-law and siblings.

This policy will reimburse you upto the Sum insured either on Individual Sum Insured basis or on floater Sum Insured basis in respect of medically necessary costs as detailed in the policy. The benefits will be available on Cashless or Reimbursement basis as applicable.

Chola Swasth Parivar  
Chola Swasth Parivar

Chola Swasth Parivar is an affordable health insurance plan with flexible coverage options that meet your family's healthcare needs. Apart from covering hospitalization expenses, the policy also offers a personal accident cover, ensuring dual protection for you and your family at economic premiums.

Tax Plus Healthline  
Tax Plus Healthline

While a primary health insurance plan can cover hospitalization expenses, additional medical expenses such as medicine bills and diagnostic tests can be heavy on your pockets.

Introducing Chola MS Tax Plus Healthline, a one-of-a-kind health policy that covers your hospitalization and non-hospitalization expenses (including OPD) i.e. your day-to-day medical expenses.

IMPORTANT: Please ensure that your health insurance policies are renewed on or before the policy expiry date to ensure that you enjoy continuity benefits of renewal.

Family Healthline  
Family Healthline
  • First time purchase allowed up to 65 years of age
  • No Medical check up till 55 years of age
  • Renewal of policy allowed till lifetime
  • 3 plans with a variety of benefits

IMPORTANT: Please ensure that your health insurance policies are renewed on or before the policy expiry date to ensure that you enjoy continuity benefits of renewal.

Individual Healthline  
Individual Healthline
  • First time purchase possible up to 65 years of age
  • No medical checkup till 55 years of age
  • Renewal of policy allowed till lifetime
  • 3 plans with a variety of benefits

IMPORTANT: Please ensure that your health insurance policies are renewed on or before the policy expiry date to ensure that you enjoy continuity benefits of renewal.

Top Up Healthline  
Top Up Healthline
  • Individual or floater sum insured up to Rs. 20 lacs
  • First time purchase allowed up to 65 years
  • Tenure options up to 3 years

IMPORTANT: Please ensure that your health insurance policies are renewed on or before the policy expiry date to ensure that you enjoy continuity benefits of renewal.

Critical Healthline  
Critical Healthline
  • First time purchase possible up to 65 years of age
  • Flexible Sum insured Rs3 Lakhs, Rs5 Lakhs, Rs10 Lakhs
  • Proof of expenses / hospitalization bills not required for claims
  • Income Tax exemption up to Rs20,000

IMPORTANT: Please ensure that your health insurance policies are renewed on or before the policy expiry date to ensure that you enjoy continuity benefits of renewal.

Hospital Cash  
Hospital Cash
  • First time purchase allowed upto 65 yrs of age
  • No Medical checkup till 55 yrs of age
  • Renewal of policy allowed till lifetime
  • 3 plans with a variety of benefits

IMPORTANT: Please ensure that your health insurance policies are renewed on or before the policy expiry date to ensure that you enjoy continuity benefits of renewal.

Customers Reviews

Average Rating:
4.33
(Based on 6 ratings)
5 Star:
2
4 Star:
4
3 Star:
0
2 Star:
0
1 Star:
0
  • Health Insurance Health Insurance
    Health Insurance

    17-Dec-2013
    My name is Asha Rohera. I live in Kuwait with my husband. My life there was very active. I used to go out for prayers, meetings, office and everywhere. I had a very smooth life. When my spinal pain started, my whole life got disturbed. I was unable to walk, stand or even work in the kitchen. I was just sitting around┬┐ even for a glass of water, I had to ask my maid. I had previously taken an insurance policy, and they said that they would help me. They took the efforts to maintain contact with the hospital to smooth out any issues that cropped up, and all my queries and doubts were laid to rest. I was able to utilise the cashless facility provided by my company, and underwent the required surgery. Now I'm leading a normal and healthy life. I can go out anywhere, and do what I want. And, I'm really happy with the life I'm leading now. I'm thankful to Chola MS for making me a part of their family. Now, I feel secured.
  • Health Insurance Health Insurance
    Health Insurance

    11-Dec-2013
    My name is Anand Upadhyay and I live with my family. I work at a privatized bank. One day, I started feeling very cold and couldn't understand what was happening. I visited a doctor, who told me that I had jaundice. It was so sudden and unexpected. I was totally unprepared for it. Yet, I didn't have to do anything other than to call my agent, who handled the situation and got everything done for me. When I was discharged from the hospital, I was very happy since I didn't have to pay anything. So, I'm really thankful to Chola MS for their assistance.
  • Health Insurance Health Insurance
    Health Insurance

    20-Apr-2013
    Dear Sir, I have received a cheque against the medical claim of my wife. We thank you for the early settlement of our claim. We are fully satisfied with the claim reimbursement by your good offices. No complaint and no grudge. The cheque will be produced today for clearance. My wife sends her greetings for your cooperation. Thanks again.
  • Health Insurance Health Insurance
    Health Insurance

    20-Feb-2013
    I would like to appreciate your help during my crisis and i would like to thank you for helping at this moment.
  • Health Insurance Health Insurance
    Health Insurance

    07-May-2014
    I have the Tax Plus Healthline policy from Chola and I must say that it is really a one of a kind health policy as it helps me cover almost all types of my day-to-day medical expenses that a normal health policy wouldn┬┐t cover.
  • Health Insurance Health Insurance
    Health Insurance

    29-May-2014
    Really appreciate the easy process of getting a health policy and your friendly customer support. It really matters a lot to every customer.
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All Rights Reserved. Cholamandalam MS General Insurance Company Ltd. Insurance is the subject matter of solicitation.

Cholamandalam MS, a General Insurance Company in India, offers a wide range of insurance policies for individuals and corporates. For individuals, there are products
like Car insurance, Travel Insurance, Health Insurance, Accident Insurance and Home Insurance. For SME's and Corporate Insurance clients, Chola MS offers customized solutions encompassing insurance and risk consulting services such as Engineering Insurance, Liability Insurance, Marine Insurance, Property and Miscellaneous Insurance

Important Message: By submitting your contact information on our call back forms, you are agreeing to be contacted by our Customer Service Representative.

Feedback Regarding Agents

At Chola MS, we aim to provide you information and services of the highest quality, through our team of agents, employees and intermediaries.

We are eager to get feedback from you regarding your experiences with Chola MS.

Please do share your thoughts with us please use the form in the Contact Us page for this.

We Respect Your Privacy

At Chola MS, we aim to keep you updated on the latest products and services, to add value to your experience with us. We convey such information by letter, e-mail or the phone and only to those whom we think will find these products and services interesting and beneficial.

We respect and value your privacy and understand that some of you may not wish to be contacted over the phone for promotions.

If this is the case with you, you may please let us know your phone number(s) that you want excluded from our telemarketing list. The details that you provide to us will remain confidential.

Once you have registered for the Do Not Call Registry:

  • We will make every effort to see that you do not receive any unwelcome marketing calls from Chola MSon the registered numbers.
  • Registration on the DNCR will only bar unsolicited calls for Chola MS products and services and not for the product and services of any other group companies.

Click here for Do Not Call Registry.

Profile of MR. S S GOPALARATHNAM

Mr. S S Gopalarathnam is the Managing Director of Cholamandalam MS General Insurance Company Limited (Chola MS).

He joined the Murugappa Group in 1979 as a Management Trainee and has been with the group for the past 30 years. Mr. Gopalarathnam has been with Chola MS as Chief Financial Officer since its inception, became President Operations in 2006 and took over as Managing Director and CEO in April 2008.

A graduate of commerce and a qualified FICWA from the Institute of Cost and Works Accountants of India, he has extensive training in the areas of strategy, finance and leadership.He has also recently undergone an Advanced Management Program at Harvard University, USA.

He was an active member of IRDA's Working Group responsible for revamping investment regulations in India, and a member of the Committee to revamp Motor Pool in India.

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