Flexi Health Supreme Plan
Cholamandalam MS General Insurance
7.5/10
OneAssure Rating
7.5/10
OneAssure Rating
Highlighted Features
Room Rent (Normal & ICU)
Chola Flexi Health Supreme (Premiere) offers no capping on room rent or ICU charges.
Advanced Treatments
Covers robotic surgeries, chemotherapy, stem cell therapy, and specialized treatments, ensuring access to modern medical advancements
Brochure
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Our Verdict
Chola Flexi Health Supreme (Premiere) is ideal for individuals seeking premium, global health coverage. It offers high sum insured, no room rent limits, and critical illness benefits, but add-ons may increase costs. Best for those prioritizing flexibility, worldwide emergency care, and comprehensive protection.
About the Plan
Chola Flexi Health Supreme (Premiere) is a high-end health insurance plan designed to provide extensive medical coverage with flexibility. It offers a high sum insured, covering hospitalization expenses, advanced treatments, pre-and post-hospitalization costs, and domiciliary care. The plan includes modern treatments, daycare procedures, and organ donor expenses. Policyholders can access benefits like no room rent capping, worldwide emergency coverage, and a wellness rewards program. With multiple add-ons and a hassle-free claims process, it ensures comprehensive financial security against medical emergencies.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent (Normal & ICU)
Chola Flexi Health Supreme (Premiere) offers no capping on room rent or ICU charges.
Advanced Treatments
Chola Flexi Health Supreme (Premier) 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 (Premiere) has no mandatory copayment.
Waiting Periods
Chola Flexi Health Supreme (Premiere) has a 30-day initial waiting period, 24 months for specific illnesses, and 48 months for pre-existing diseases.
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 specified in the policy.
Treatments related to self-inflicted injuries, suicide attempts, or substance abuse are excluded.
Cosmetic or plastic surgeries unless required due to accidents or medical necessity are not covered.
Dental treatments and procedures unless arising from accidental injuries are excluded.
Expenses related to infertility treatments, IVF, or assisted reproductive procedures are excluded.
Congenital diseases, genetic disorders, and birth defects are not covered under the policy.
Hospitalization due to participation in hazardous sports, adventure activities, or war-related injuries is excluded.
Any expenses incurred for weight control treatments, obesity management, or bariatric surgery are not covered.
OPD consultations, routine medical check-ups, and preventive healthcare expenses are not covered unless specified.
Any hospitalization for rest, recuperation, rehabilitation, or long-term care is excluded.
Exclusions
Maternity Cover - Provides coverage for maternity expenses, including childbirth and pre- and post-natal care, ensuring financial support for growing families.
Hospital Cash Benefit - Offers a fixed daily cash allowance during hospitalization to help manage non-medical expenses incurred during the stay.
Critical Illness Cover - Extends coverage for critical illnesses, providing a lump sum payout upon diagnosis to support treatment and lifestyle adjustments.
Personal Accident Cover - Provides financial protection in case of accidental death or disability, ensuring support for the insured and their family.
Worldwide Emergency Cover - Covers emergency medical expenses incurred outside India, offering peace of mind during international travel.
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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