Chola Flexi Health Plan
Cholamandalam MS General Insurance
7.7/10
OneAssure Rating
7.7/10
OneAssure Rating
Highlighted Features
Room Rent (Normal & ICU)
Covers hospitalization expenses up to the sum insured with no capping on room charges, ensuring comprehensive coverage.
Advanced Treatments
Includes modern procedures like robotic surgeries, stem cell therapy, and oral chemotherapy, offering access to cutting-edge medical care.
Policy Wording
Explore more features
Our 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 the Plan
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.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent (Normal & ICU)
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.
Waiting Periods
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.
Cashless Healthcare Providers
Extensive network of over 10,000 cashless healthcare providers across India.
Day Care Treatments
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 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.
Injuries or illnesses arising from participation in hazardous activities or adventure sports.
Non-prescription supplements, vitamins, and wellness-related expenses.
War, nuclear hazards, or terrorism-related injuries.
Injuries caused by criminal acts or unlawful activities.
Treatment for mental disorders, depression, or psychiatric illnesses unless explicitly covered.
Exclusions
No Claim Bonus (NCB) Boost - Increases sum insured for every claim-free year, enhancing coverage without additional premium.
Super Top-up Coverage - Allows policyholders to extend coverage beyond the base sum insured for higher medical expenses.
Maternity & Newborn Cover - Covers maternity expenses, delivery costs, and newborn medical care.
OPD Coverage - Includes consultations, diagnostics, and pharmacy expenses for outpatient treatments.
Personal Accident Cover - Provides additional financial protection for accidental injuries, disabilities, or death.
Critical Illness Cover - Offers lump sum payout upon diagnosis of specified critical illnesses.
Room Rent Waiver - Removes restrictions on room rent, allowing policyholders to choose any hospital room without limits.
Wellness and Preventive Care - Covers health check-ups, vaccinations, and fitness programs to promote overall well-being.
Add-ons
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About the Company
Chola MS General Insurance Company Limited is a joint venture between the Murugappa Group and Japan’s Mitsui Sumitomo Insurance Company. Guided by its T3 philosophy—Trust, Transparency, and Technology—Chola MS is committed to delivering reliable and innovative insurance solutions, reflecting its focus on customer-centricity and technological excellence.
Founded in 2001, Chola MS General Insurance Company Limited is headquartered in Chennai, Tamil Nadu. The company is led by V. Suryanarayanan, who serves as its CEO and Managing Director.
About the Company
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