How does the waiting period affect my coverage?

The plan includes a waiting period for pre-existing conditions and specific treatments, covering them only after the specified duration.

What if I don’t use my health insurance benefits for the entire year?

If no claims are made, you may receive a No Claim Bonus (NCB), increasing your sum insured without additional premium costs.

Does the Chola Flexi Health Supreme (Plus) plan cover treatment abroad?

The plan primarily covers treatment within India, but certain add-ons may provide limited coverage for emergency medical treatment abroad.

Does Chola Flexi Health Supreme cover maternity expenses?

Yes – the Chola Flexi Health Supreme plan does cover maternity, but only in Plus (₹50 k per delivery after 36 months) and Premiere (₹1 L per delivery after 36 months) variants, including newborn and termination expenses

OneAssure

Health Insurance

Cholamandalam MS General Insurance

Flexi Health Supreme Plus

Chola Flexi Health Supreme Plus

Experience India's most trusted health insurance with Cholamandalam MS General Insurance Health Insurance. Get instant cashless treatment at 5500 network hospitals with sum insured up to ₹50 lakhs.

93.2

Claim Settlement Ratio

5500

Network Hospitals

7.8

Customer Rating

Policy Brochure

Get a Quote

93.2

Claim Settlement Ratio

5500

Network Hospitals

7.8

Customer Rating

Policy Brochure

Our Verdict

Expert Review: Cholamandalam MS General Insurance Flexi Health Supreme Plus

Final 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

About Cholamandalam MS General Insurance Flexi Health Supreme Plus

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.

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...

Plus Ratings

Ratings: Cholamandalam MS General Insurance Plus

Insurer Rating

0

out of 10

Insurance Rating

9.25

out of 10

No Room Rent Limit

Yes

Consumables Covered

Yes

No Co-payment

Yes

Loyalty Bonus >= 500%

Yes

No Disease Sublimits

Yes

Unlimited Restoration

Add on

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

No

Maternity Available

Yes

Waiting Period Waiver

No

Testimonials

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Mumbai, Maharashtra

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Mumbai, Maharashtra

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Bengaluru, Karnataka

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

Jaipur, Rajasthan

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

West Bengal

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Inclusions and Exclusions

Inclusions and Exclusions of Cholamandalam MS General Insurance Flexi Health Supreme Plus

Room Rent

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.

Cashless Healthcare Providers

Extensive network of over 10,000 cashless healthcare providers across India.

Waiting Period

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.

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.

Room Rent

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.

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.

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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...

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...

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.