Cholamandalam Flexi Health insurance provides comprehensive medical coverage to individuals and families during an illness or accidental emergency. It offers coverage for hospitalization, day care procedures, emergency ambulance services, domiciliary hospitalization, etc. The plan also offers coverage for newborn babies, medical second opinions, repatriation of mortal remains and compassionate visits.
*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply
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|Sum Insured||Rs 50,000 to Rs 25 lakh|
|Policy Tenure||1 year, 2 years, 3 years|
|Incurred Claim Ratio (2020-21)||77.35%|
|Pre-policy Medical Check-up||Required for people above 50 years|
|Pre-existing Disease Waiting Period||3 years|
|Initial Waiting Period||30 days|
|Specific Disease/Procedure Waiting Period||2 years|
|Discount||Up to 10% long-term policy discount
15% direct discount
Here are some of the promising benefits of buying a Cholamandalam Flexi Health Insurance plan:
This Cholamandalam health insurance policy restores the sum insured up to 100% in case it gets completely exhausted due to unrelated claims.
The insurance company provides an additional sum insured to the insured to raise claims related to each other.
This Chola MS Flexi Health Insurance policy also provides an additional sum insured amount to cover claims due to road traffic accidents.
The insured is eligible for free preventive health check-ups after every two claim-free years as part of this policy.
A cumulative bonus of 10% up to a maximum of 50% of the sum insured is granted to the policyholder for every claim-free year. This bonus can be used to increase the sum insured of the policy with no increase in premiums.
People can access cashless hospitalization facilities across India at more than 10,000 network hospitals of the Cholamandalam MS General Insurance Company.
Tax exemptions are permitted on the premium paid for the Cholamandalam Flexi Health Insurance policy under Sec 80D of the Income Tax Act, 1961.
The eligibility criteria to buy a Cholamandalam Flexi Health Insurance plan are mentioned below:
|Minimum Entry Age||Adult: 18 years
Children: 3 months
|Maximum Entry Age||Adult: 65 years
Children: 26 years
|Coverage Type||Individual/ Family floater|
|Relationships Covered||Self, spouse, children, dependent parents, dependent parents-in-law and dependent siblings|
The following coverage is included under the Cholamandalam Flexi Health Insurance plan:
The Cholamandalam Flexi Health Insurance plan excludes the following coverage:
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