Chola Flexi Health Supreme Plan
Cholamandalam MS General Insurance
7.8/10
OneAssure Rating
7.8/10
OneAssure Rating
Highlighted Features
Room Rent (Normal & ICU)
Covers a single private room and ICU charges up to the sum insured, ensuring quality hospitalization benefits.
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 (Plus) is ideal for individuals seeking extensive, customizable health coverage. It offers global treatment, OPD, and maternity benefits, but add-ons may raise premiums. Best for those prioritizing flexibility, high sum insured, and holistic healthcare options.
About the Plan
Chola Flexi Health Supreme (Plus) is a comprehensive health insurance plan designed to offer flexible and extensive medical coverage. It provides high sum insured options, ensuring financial protection against hospitalization, daycare treatments, and critical illnesses. The plan includes coverage for pre- and post-hospitalization expenses, advanced treatments, and ambulance services. With customizable benefits, policyholders can enhance their coverage with add-ons like international treatment and wellness programs. This plan ensures financial security by minimizing out-of-pocket expenses and offering a seamless claims process.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent (Normal & ICU)
Chola Flexi Health Supreme (Plus) offers flexibility in room rent coverage with no sub-limits, allowing policyholders to choose any hospital room. ICU charges are covered up to the sum insured.
Advanced Treatments
Chola Flexi Health Supreme (Plus) 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 (Plus) does not have a mandatory copayment for most claims. However, if the policyholder chooses treatment in a non-network hospital or opts for specific medical procedures, a copayment clause may apply as per policy terms. Senior citizens may also have a predefined copayment percentage on claims.
Waiting Periods
Initial Waiting Period: 30 days from policy inception, except for accidental injuries.
Pre-existing Diseases: Covered after a waiting period of 48 months.
Specified Illnesses & Treatments: Subject to a waiting period of 24 months.
Maternity & Newborn Cover (if applicable): Typically covered after 24 to 48 months.
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 during the initial waiting period as per policy terms.
Any illness or injury occurring within the first 30 days of policy commencement, except accidents, is excluded.
Cosmetic or aesthetic treatments, including plastic surgery unless medically necessary due to accidents or burns, are not covered.
Expenses related to dental treatment, unless required due to an accident, are excluded from coverage.
Self-inflicted injuries, suicide attempts, or injuries caused due to substance abuse are not covered.
Any medical treatment received outside the policy’s geographical coverage area, unless included under specific add-ons, is excluded.
Treatment for congenital diseases, genetic disorders, or external birth defects is not covered under the policy.
Expenses related to infertility treatments, IVF procedures, and assisted reproductive techniques are excluded.
Non-prescribed vitamins, supplements, and wellness treatments not recommended by a registered medical practitioner are not covered.
Hospitalization primarily for diagnostic purposes, without active treatment, is not covered under the policy.
Injuries or illnesses arising due to participation in hazardous sports, adventure activities, or professional athletics are excluded.
Treatment for sexually transmitted diseases (STDs) and HIV/AIDS-related conditions are not covered.
Exclusions
Enhanced Room Rent Cover - Get the flexibility to choose any hospital room without rent capping, ensuring better comfort and medical care.
Maternity & Newborn Cover - Covers maternity expenses, delivery costs, and newborn care, ensuring financial ease during childbirth and postnatal care.
Global Treatment Cover - Extends coverage for medical treatments abroad, ensuring access to world-class healthcare facilities beyond India.
Accidental Hospitalization Booster - Offers additional coverage for accident-related hospitalizations, covering treatment expenses beyond the base sum insured.
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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