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Health Insurance


Note: the above is a partial listing of the policy exclusions. Please refer to the policy wordings for full listing

Note: the above is a partial listing of the policy exclusions. Please refer to the policy wordings for full listing

Exclusive Discounts


Chola MS always ensures customer delight. We now provide Value Added Services and are proud to announce our association with several hospitals/diagnostic centres in India. To avail these exclusive discounts, please remember to carry your Chola MS Health Card.

Cashless Hospitalisation

Cashless Hospitalisation

Buy or renew health insurance with Chola MS and avail cashless services with our network hospitals and healthcare facilities. We believe in making your treatment and recovery easier, and we assure you of assistance when you really need it.

slice of health lifestyle

Slice of Health, a new initiative by Chola MS, aims to be a beacon in the pursuit of a healthy lifestyle.

Cashless procedures for planned admission

  • The insured should approach the hospital 48 hours in advance and provide his/her policy details/e-cards along with govt. issued photo ID card like Driver’s License/Aadhaar to TPA/Insurance desk.
  • The hospital validates the claim and sends the pre-authorization request to Chola MS.
  • Chola MS shall review, confirm and approve the claim as per policy terms and conditions.
  • The hospital and the insured will be intimated in case of any additional information that is required.
  • Settlement of the claim shall be done by Chola MS to the hospital.

Cashless procedures for Emergency admission

  • In case of emergency hospitalization, contact any of our Network Hospitals within 48 hours of hospitalization along with his/her policy details/e-cards along with govt. Issued photo ID card like Driver’s License/Aadhaar.
  • If more assistance is needed, please call our 24x7 Customer Helpline number 1800-208-5544 or email us at customercare@Cholams.murugappa.com.
  • The hospital validates the claim and sends the pre-authorization request to Chola MS.
  • Chola MS shall review, confirm and approve the claim as per policy terms and conditions
  • The hospital and the insured will be intimated in case of any additional information that is required.
  • Settlement of the claim shall be done by Chola MS to the hospital.

Reimbursement claim procedure:

  • In case of hospitalization, notify us within 48 hours of admission at our Network or non-Network Hospital.
  • Pay directly at the hospital after getting admitted.
  • Submit the claim with all the relevant documents and claim form.
  • Chola MS shall review, confirm and approve the claim as per policy terms and conditions.
  • Settlement of the claim shall be done by Chola MS to the insured.

Advantages of health insurance

  • Coverage against medical expenses: From major to minor injuries incurred, coverage of medical expenses is one of the most important advantages of health insurance. By opting for the right policy, individuals can choose to relax and not worry about the financial burden of bills and expenses, leaving them more time to recover.
  • Critical illness coverage: For non-injury related, critical illnesses, health insurance offers the same advantages by covering hospitalisation fees, allowing for financial security to be established for them and their loved ones at all times.
  • Hassle-free, cashless claim process: Another major advantage is the ability to both file and process health insurance claims in a seamless, quick manner. Simply add your details online, follow the instructions and the claims are processed in a jiffy!
  • Add on protection: Topping up your health insurance for additional cover is also an easy process and helps you make sure all aspects of your health are equally covered , no matter what the situation is.

Health insurance is a type of insurance that provides financial assistance during a medical emergency to the policy holder. Depending on the type of health insurance chosen by the policyholder, they can get access to a variety of benefits. Once your financial worries are taken care of, you can completely focus on your treatment and recovery. With a range of Chola MS products and services, you can get access to financial aid for medical expenses like surgery, hospitalisation, treatment, etc.

While picking a health insurance plan, look out for a comprehensive plan that will cover both you and your family. Here are some of the types of insurance available at Chola MS -

  • Chola Healthline is a comprehensive policy that can cover an individual as well as their family. It provides coverage for 24 hour hospitalisation on a cashless or reimbursement basis.
  • The Chola Critical Healthline cover will provide a lump sum on the diagnosis of any of the critical illnesses mentioned under the plan.
  • The Chola Super Top Up plan provides financial aid for higher medical expenses. The policy is beneficial as it provides additional benefits at an affordable cost.
  • Chola Hospital Cash Healthline takes care of all the miscellaneous expenses that take place during hospitalisation and is a comprehensive health policy that provides coverage for you and your loved ones.

Make sure to assess your needs thoroughly to be able to choose the right health insurance plan. Various factors play into the decision making of this purchase and it is important to consider all aspects. Health insurance is a very important investment to make, so be sure to do your research and find the best plan out there for you and your family.

Our health is and should always be our top priority. Sometimes we may require a higher level of medical care and attention, depending on the health condition. In such cases, often, hospitalisation is required and this can be a heavy financial burden for many. There are many other aspects of our hospitalisation and other necessities that may prove to be heavy on our pockets. This is where health insurance comes into play.

With a strong comprehensive health insurance in place, your financial needs are taken care of allowing you to focus better on your recovery. If you’ve ever wondered why you need health insurance, this is why. The right comprehensive cover helps take care of expenses that arise from the following:

  • Pre and Post-hospitalisation charges
  • Daily allowances for hospital expenses
  • Day-care procedures
  • AYUSH treatment coverage
  • Critical Illness treatments and related expenses
  • Domiciliary hospitalisation charges
  • Organ Donor expenses

These are some expenses that are covered by health insurance. Depending on the plan you think suits your needs the best, items that are covered may vary slightly. Essentially, having a health insurance plan in place is ideal as it helps reduce the financial burden on your shoulders to give you the ability to focus on your health better.

Given the restriction of movement in our current situation, you can easily buy/renew insurance online. With just a few clicks and at the comfort of your own home, you can get insured. Compare various plans online with ease and decide what suits your needs the best. Payment for your health insurance policy can be completed online too. All necessary documents regarding the policy and payment will be mailed to you, this way you can conveniently have multiple copies of the same document without the hassle of excessive paperwork.

Chola Insurance Online General Insurance
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  • Raj Vasanth | Jan 25, 2021

    A few friends spoke to me about the benefits of investing in insurance at an early age. So, I began to review my options online and that’s when I came across Chola MS. Since then, it was all smooth-sailing with them! From assisting me with insurance queries to settling claims, they were always prompt and efficient. Apart from a solid policy, I’ve also had many other benefits along with the policy. So I would definitely say that Chola MS is a great choice for health insurance!

  • Mathew Henry | Nov 16, 2020

    Finding a good health insurance plan in today’s industry can be a difficult proposition. I guess I was lucky to find Chola MS’ health insurance policies quite early in my search. The variety of options available as well as the comprehensive coverage came of extreme use to me when I was hospitalised after a major accident. Their critical illness cover plan was also a life saver when my mother was diagnosed with multiple sclerosis last year. I’d like to thank the staff at Chola MS for making health insurance simple.

  • Samyuktha | Nov 16, 2020

    I am highly satisfied with my Chola MS health insurance plan that I purchased online. I began looking for a health insurance plan as I was worried about my family’s health safety and well-being. The staff and professionals have been extremely helpful and have guided me through the entire process. I feel extremely secure about receiving financial aid during any kind of medical emergencies with Chola MS by my side!

  • Narasimman | Nov 16, 2020

    When I was looking to buy health insurance and wasn't sure where to start looking, my cousin suggested Chola MS. From the first call to the policy being processing, everything has just been wonderfully smooth and easy. The Chola MS executives clearly explained their various health insurance plans to me in the simplest way possible. Since then, the purchase and renewal has been a cake-walk. Even their claims process is absolutely quick and hassle-free. Their highly co-operative team has surely provided my family with the finest of service. Chola MS is my first recommendation for all general insurance needs, easily!

  • Asha Rohera | Apr 04, 2019

    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.

  • Shiv Kumar Soni | Apr 04, 2019

    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.

  • Vishwanath | Apr 04, 2019

    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.

  • Anup Bhatt | Apr 04, 2019

    Very easy and quick guidance from Chola¿s team while buying health insurance services.

  • Rajat | Apr 04, 2019

    My wife recently had a medical emergency in the middle of the night. After a few misunderstandings with the hospital regarding the cashless claim, Chola support center was very easy to reach out to and offered full support at 3am as well. When it comes to health insurance, Chola MS is always there.

  • Bharti Sharma | Apr 04, 2019

    I have been associated with Chola MS for health insurance since 2 years and I am very happy with the customer care services they provide.

  • Anupama Negi | Apr 04, 2019

    Thanks for the great customer calling support provided by Chola MS while buying health policy online for the first time.

  • Rohit Dahal | Apr 04, 2019

    I recently bought health insurance policy for my son and he got hospitalized for a week due to typhoid. All the post hospitalization expenses were settled smoothly.

  • Bhrat Bhushan | Apr 04, 2019

    It was a good process.

  • Satya Pathak | Apr 04, 2019

    Easy for applying Insurance policy

  • Udey Ram | Apr 04, 2019

    its very convenient to buy health policy online and it saved my time too.

  • PANKAJINI RAY | Apr 04, 2019

    Thanks for the quick service.

  • VIVEK | Apr 04, 2019

    It was very first time I was buying health insurance policy online and after filling all the details and submitting the form I immediately received a confirmation call and cleared all my confusions regarding claims.

  • Nidhi kumar | Apr 04, 2019

    I have been using health insurance policy of Chola MS since 2 years and now planning to get car insurance policy too for my new car.

  • SRINIVASAN | Apr 04, 2019

    They have very good network of cashless hospitals in each and every area. This policy is even helpful for my parents staying in village.

  • Manish Shukla | Mar 30, 2019

    its good making online payment and renew health policy online, instant confirmation

  • AMIT GOYAL | Mar 30, 2019

    Very easy process. All important details are available online.. Very happy with experience

  • Arun Vyas | Mar 30, 2019

    It was hassle free experience of buying health insurance policy from Chola MS. I got immediate response and my policy got settled quickly. Thanks to your team.

  • Vijay Kumar | Mar 30, 2019

    Many thanks to Chola MS for settling my health insurance claim on time when I was hospitalized.

  • Sai Dutta | Mar 30, 2019

    I used health insurance services for the first time with Chola and it was a great experience for me. Thank you for solving my queries quickly.

  • Annapoorna Chikramane | Mar 30, 2019

    I would like to appreciate your help during my crisis and i would like to thank you for helping at this moment.

  • Anand Upadhyay | Feb 17, 2019

    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.

  • Pushpa Nair | Feb 17, 2019

    Really appreciate the easy process of getting a health policy and your friendly customer support. It really matters a lot to every customer.

  • Dhiren | Feb 17, 2019

    I was recently admitted to a hospital after being diagnosed with malaria. With limited bank balance, I was still able to complete my treatment with the help of Chola¿s health insurance policy, which allowed me to avail cashless hospitalization. I felt Chola was there like my best friend, when I needed it the most.

  • Yugandhara T | Feb 17, 2019

    I am very thankful to Chola MS for the support which was provided to me when I was hospitalized till the time I got discharged. Really it¿s timely help. Thanks

  • Manoj Ranjan | Feb 17, 2019

    Excellent facility providing by Chola MS. I am the customer from since 5 years and good facility to renew my insurance.

  • Chanda Negi | Feb 17, 2019

    I recently bought my family floater health insurance plan which gave me a satisfied policy as per my family members. Hoping for the same support during claims settlement as well.

  • ANUP CHAKRABORTY | Feb 17, 2019


  • Chaturvedi | Feb 17, 2019

    They have very easy and user-friendly online policy buying method in just few steps. Thanks to customer care team for the timely support whenever I was in need.

  • KETAN SHRIKRISHNA | Feb 17, 2019

    Its user friendly and easy to buy...


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