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Cholamandalam Health Insurance

Based on the T3 motto- ‘Trust, Technology and Transparency’ Cholamandalam GI Co. Ltd. was founded in the year 2001. In a very short span of time, the company has spread its business across the country and now it has 109 branches across the country. In the year 2011, it was awarded the Financial Insights Innovation Award at the Asian insurance Congress for its innovativeness.

Cholamandalam health insurance offers health coverage with attractive features and benefits at an affordable cost. The company claims to have the best customer support and user-friendly plans with an extensive coverage. Therefore, Cholamandalam medical insurance plans are undoubtedly a safe bet!

Cholamandalam Health Insurance at a Glance

Key Features Highlights
Incurred Claim Ratio 72.91%
Network Hospitals 6500+
Waiting Period for Pre-existing Diseases 4 years
Renewability Lifelong

Key Features of Cholamandalam Medical Insurance

  • Cashless hospitalization at more than 6500 hospitals PAN India
  • Critical illness as well as an accidental cover is available ( in selected health plans )
  • Lifelong Renewability to protect you and your loved ones from the financial burden caused by a medical exigency
  • Individual/family floater plan options
  • Tax benefits under Sec. 80 (D)
  • Round the clock claim assistance
  • Easy and convenient claim settlement
  • Lifelong renewability
  • Pre-existing illness cover
  • Annual health check-up facilities

Cholamandalam Health Insurance Plans Comparison Table

Plan Name Entry Age Sum Insured Policy Type Pre-medical Check-up
Chola MS Individual Healthline Insurance Policy Min: 18 years

Max: 65 years

Rs. 2 Lacs

Rs. 25 Lacs

Individual with 3 variants; Standard, Superior and Advance No medical check-up is required up to the age of 55 years.
Chola MS Healthline Insurance


Min: 18 years

Max: 65 years

Value Healthline: Rs.2 Lacs

Freedom Healthline: Rs.3 lacs; Rs. 5 lacs or 7.5 lacs

Enrich Healthline: Rs.3 lakhs, Rs. 5 lakhs or 7.5 lakhs or 10 lakhs

Chola Swasth Parivar Insurance Plan



Min: 18 years

Max: 65 years

Children: 3 months to 26 years


Rs. 3 lakhs to

to Rs. 5 lakhs


Family Floater


No medical test is required up to the age of 55 years

Tax Plus Healthline Plan Min: 18 years

Max: 65 years

Rs. 1

To Rs. 5 lakhs



Chola MS Family Healthline Insurance  

Min: 18 years

Max: 65 years

Children: 3months to 26 years


Rs. 2 lakhs to

Rs. 15 lakhs


A family floater with 3 variants; Standard, Superior and Advanced Family Health Line


No medical check-up up to the age of 55 years

Chola Top-up Healthline Plan Min: 18 years

Max: 65 years

Children: 3 months to 33 years

No medical check-up up to the age of 55 years of age


Chola MS Critical Healthline Insurance Min: 18 years

Max: 65 years

Children: 5 to 25 years

Rs. 3 lakhs

Rs. 5 lakhs

Rs. 10 lakhs

Individual; Standard and Advanced plan No medical check-up up to the age of 55 years of age
CholaHospital Cash Healthline Min: 18 years

Max: 65 years

Children: 3 months to 36 years

No medical test up to the age of 55 years
Cholamandalam Classic Health Individual Plan Min: 18 years

Max: 65 years

Rs. 50,000 to Rs.10 lakhs Individual No medical check-up to the age of 45 years
Chola-classic Family Floater Min: 18 years

Max: 65 years

Rs. 2 lakhs to Rs. 5 lakhs Family floater No medical check-up is required


Types of Cholamandalam Health Insurance Plans

  1. Chola MS Healthline Insurance- The plan covers domiciliary expenses, organ donor costs, and AYUSH or Ayurvedic treatment expenses as well. The sum assured limit is up to INR 10 Lacs.
  2. Chola Tax Plus Healthline- Flexible sum insured up to INR 5 Lacs. It is both individual and family floater plan.
  3. Chola MS Individual Healthline Insurance Plan- It  is a comprehensive plan that covers maternity exenses as well. The sum assured limit is up to INR 5 Lacs.
  4. Chola MS Family Healthline Insurance- It offers coverage for maternity expenses, External Aids – Spectacles, Contact lens, and hearing aids, OP Dental treatments etc. The sum assured limit is up to INR 15 Lacs.
  5. Chola MS Top Up Healthline Insurance Plan- No medical check-up is required to buy this plan if you are below 55 years of age. Anyone between 18 and 65 years can buy this plan and for children, the age limit is 3 to 33 years.
  6. Chola Swasth Parivar Insurance Plan- It covers 141 daycare procedures and hospitalization expenses.
  7. Chola MS Critical Healthline Insurance Plan- This plan covers critical illnesses like cancer, first heart attack, Open chest CABG, major organ transplant, bone marrow transplant, a stroke causing permanent symptoms, & permanent disability of limbs.
  8. Chola Classic Health Individual Plan– No medical check-up is required to the age of 45 years. You can also cover your dependent parents in this plan.
  9. Chola MS Hospital Cash Healthline Plan- The cash benefit is doubled for ICU treatment. Anyone between 18 to 65 years can buy this plan and for children, the age limit is 3 to 36 years.
  10. Chola Classic Health Family Floater Plan- It does not require any pre-medical check-ups. The sum assured limit is INR 2 to 5 lakhs.

Cholamandalam Health Insurance Claim Procedure

You can either file a cashless claim or a reimbursement claim with Cholamandalam. To make it simple, for filing a cashless claim, the treatment must be availed from a network hospital of the insurance company.

Cholamandalam medical insurance hospitals list is available in the policy documents or you can check it online on their site. You first need to approach the TPA seeking pre-authorisation and follow the procedure mentioned in the prescribed form.

If it is a reimbursement claim, then the insured has to inform the insurer by following the procedures laid down in the Cholamandalam medical insurance brochure. You will have to submit the documents supporting the claim such as discharge summary, medical bills, prescriptions, along with the duly filled claim form to get the amount reimbursed.

Below is the step-wise claim process to lodge a Cholamandalam health insurance claim:

Cholamandalam Medical Insurance Reimbursement Claim Procedure

  • Initiate the application process by duly filling the form and submit it with relevant documents
  • Necessary documents include discharge summary, medical bills, doctor’s prescription etc.
  • The claim management team will inquiry before issuing the letter and you should be answerable to any query. After the investigation, they will send the approval letter.
  • If the claim is rejected, they will communicate and present the reason.
  • You need to inform the insurer within 24 hours of the admission in case of an emergency. You should inform the insurer 48 hours prior to the hospitalisation, in case of a planned hospitalisation.
  • You can register your claim by calling on the toll-free number or sending a mail to Cholamandalam health insurance customer care at customercare[at]
  • To check Cholamandalam health insurance claim status, use the claim reference number provided by the customer care executive.

Cholamandalam Medical Insurance Cashless Claim Procedure

  • Fill the pre-authorisation from available at the TPA Desk or hospital’s insurance desk.
  • You will receive an approval letter from the claim management team, after verifying your request.
  • If your authorisation is rejected, immediately initiate the treatment and file a reimbursement claim.

Cholamandalam Health Insurance Renewal

Renewal is one of the most important aspects of your health insurance plan. Every plan comes with a defined policy tenure within which it needs to be renewed. Otherwise, you’ll remain uncovered or the policy will lapse.

Hence, renewing your policy on time is the real deal. And, there is no better way of renewing your policy than renewing it online. This is how you can go for Cholamandalam health insurance renewal online-

  • Visit the official website of Cholamandalam
  • Click on he policy renewal button
  • Select the plan option
  • Calculate the premium online through Cholamondalam medical insurance premium calculator
  • If you want, you can compare the plans as well
  • Pay the premium amount by using Credit Card/Debit Card/NetBanking
  • Print the premium receipt and enjoy the policy coverage uninterrupted.

Before the renewal, it is recommended that you also go through the Cholamandalam health insurance reviews online.

Inclusions of Cholamandalam Health Insurance

The policy covers the following expenses during a medical treatment-

  1. Pre & post hospitalization expenses for a specified time period
  2. Hospital room rent charges
  3. Domiciliary hospitalization expenses
  4. Fees chardged by the specialist, surgeon, doctor, and anesthetist
  5. Cost of diagnostic procedures, oxygen, medicines, blood, pacemaker etc.
  6. Maternity and newborn baby expenses ( in some plans)
  7. OPD Dental expenses, spectacles, contact lens, and hearing aid expenses ( in specific plans)
  8. 140+ day-care treatment expenses
  9. Option to cover your entire family, including 2 adults & 3 dependant children
  10. Expenses incurred on the treatment of 20 major critical illnesses (in some plans)
  11. Unlimited room rent coverage (in some plans)
  12. Daily room rent allowance up to a specified limit
  13. Cholamandalam mediclaim Insurance also covers your pre-existing illnesses after four years of the waiting
  14. Moreover, after two claim-free years, you are eligible to avail free medical check-up facility

Exclusions of Cholamandalam Health Insurance

  • Hospitalization followed by a suicidal attempt will not be covered
  • Attempt to commit a breach of law with criminal intent and self-inflicted injuries
  • Vaccination expenses or inoculation until required for an animal bite treatment
  • Non-medical expenses during the hospitalization will not be covered
  • Hospitalization required after a civil war, insurrection, acts of foreign enemies, and revolution will not be covered

Benefits of Cholamandalam Health Insurance Policy

Cholamandalam Medical Insurance offers a host of benefits, which include:

  • Cashless treatment in more than 6500 network hospitals across the country
  • Emergency ambulance cover
  • Tax benefit under Section 80D of Income Tax Act for the premium paid up to a specified limit
  • You can easily purchase Cholamandalam mediclaim policies online and can avoid the hassle of visiting the insurers’ office.
  • Option to choose voluntary deductibles. It implies that you can pay a certain percentage of the claimed amount, and the remaining will be paid by the insurer.
  • Also, enjoy cumulative bonus for every claim-free year.

Chola Mandalam Health Insurance Premium Calculation

Health insurance premium is the amount to be paid annually in order to avail the benefits of a mediclaim policy. The insurer decides it by considering certain factors such as location, medical history of the family, pre-existing illness, age, gender etc. However, isn’t it amazing if you can decide your premium on your own? Well, it is possible with an online premium calculator.

Cholamandalam health insurance premium calculator helps you to calculate the premium in a matter of few clicks. You can make an informed decision by comparing health insurance plans based on the coverage, benefits, premium, claim settlement ratio and renewal process.

Why Cholamandalam Health Insurance?

Cholamandalam medical insurance offers an extensive health coverage to you and your family. It lowers the financial burden on you by sharing the load. With Cholamandalam mediclaim policy, you can avail quality healthcare services in the event of an unexpected medical exigency with ease. Here’s a list of some of the benefits-

  • Cholamandalam health insurance can be availed by any individual aged between 18 to 65 years.
  • It offers a range of comprehensive plans with a host of attractive benefits.
  • It takes care of your hospitalisation expenses including in-patient costs, pre, post hospitalisation expenses, and keeps you stress-free when any medical emergency strikes.
  • Compensation will be provided in a lump sum if you buy a critical illness insurance plan
  • These health insurance plans are extremely convenient as you can experience a hassle-free online health insurance.
  • The plans will also cover the ambulance charges in case of a medical emergency
  • You will also earn a cumulative bonus at the time of renewal for not making a claim during the policy period.
  • Tax saving benefits as per the Income Tax Act.

Documents Required  for Cholamandalam Health Insurance Claims

Based on the situation you will have to submit the documents. However, here is an overview of some of the common documents that you may need to submit-

  • Claim form signed and filled by you
  • Discharge card/summary issued by the hospital
  • Doctor’s prescription recommending hospitalization
  • Medical investigation reports
  • All the documents and bills related to the medical treatment
  • Payment receipts
  • Medicine bills with the supporting prescriptions
  • If implants were used in the surgery sticker or invoice for the same will be required

Cholamandalam Health Insurance FAQs

Q1. Can I renew Cholamandalam mediclaim policy online?

Yes, it is quite easy to renew your medical insurance online. You can go to their official site, select the plan, review the options, and make the payment once you have made the decision.

Q2. Can I buy a top-up plan from Cholamandalam?

Yes, you can buy a Chola Top-up Healthline Plan. No medical check-up is required up to the age of 55 years. Moreover, it offers life-long renewability of the plans.

Q3. Is there a specific plan that will cover critical illnesses?

Yes, you can buy Chola MS critical Healthline insurance plan. The sum assured limit is between Rs. 3 lakhs and Rs. 10 lakhs.  It covers critical illnesses such as Major organ transplant, cancer, bone marrow transplant, first heart attack, Open chest CABG, Stroke with permanent symptoms, and total disability of the limbs.

Q4. Can I avail cashless treatment if I buy Cholamandalam medical insurance?

Yes, you can avail cashless treatment in nearly 6500 network hospitals across India.

Q5. Can I avail tax benefits if I buy a Cholamandalam mediclaim policy?

You are entitled to avail tax benefits on the premium that you pay every year for Cholamandalam health insurance policies. Under the purview of the Sec. 80 D of the IT Act health insurance premium that you pay for your own policy and your parent’s policy is eligible for tax saving benefits.

Q6. What documents are required to file a claim for Chola MS Critical Healthline plan?

It is important to follow a specified procedure while lodging a claim for their critical illness plan. Following documents will be required from your end-

  • Mandatory claim form ( duly signed and filled)
  • First consultation paper
  • All the supporting documents with reports such as imaging reports, pathological reports and likewise to prove the diagnosis of the critical illness
  • Detailed reports from the medical practitioner confirming the diagnosis, mentioning your medical and surgical history along with the duration

Q7. What are the exclusive features of Chola MS Individual Healthline Insurance Policy?

The benefits of buying this plan are-

  • It offers pre & post hospitalization cover for 60 days and 90 days respectively
  • It provides maternity cover
  • Cost of external aids cover such as contact lens, specs, hearing aids are also covered
  • No medical check-up is required up to the age of 55 years.
  • Add-on covers on payment of extra premium
  • 141 daycare treatments are also covered in this plan

Q8. What is the age criterion to buy Chola MS Critical Healthline Insurance plan?

The age criterion to buy this critical illness plan is minimum 18 years and maximum 65 years. You can also buy this plan for children between 5 and 25 years.