Cholamandalam MS General Insurance

Chola MS Insurance is a joint venture between Murugappa Group and Mitsui Sumitomo Insurance Company Limited, Japan. They have over 152 + Branches and 50000 intermediaries across the country. 

They offer a wide range of insurance products such as Motor, Health, Property, and Liability insurance. In FY 2021-22, they have achieved a GWP of Rs. 48,338 million. 

Making adept use of technology and innovation, they have grown on to become a major player in the General Insurance segment in India delivering simple insurance solutions at affordable rates.

Vision and Mission

Vision and mission


Cholamandalam MS aspires to become the most sought after general insurance provider in India.

Vision and mission


To Maintain utmost transparency in all the process so that it will give the customers a picture of their complete products. Simplifying insurance by using less jargons and replacing them with words that are easily understandable to everyone.


  • Economic Times Best Brand award in the year 2020
  • Golden Peacock Award for the best Risk Management in 2017
  • Pride of Tamil Nadu award for BFSI
  • Dream Companies to Work by Times Ascent in the year 2017
  • Best CSR Practice Award
CSR Practice

Cholamandalam MS is a socially aware company. As a part of their CSR Campaign, they have provided Automatic Chapati and Sevai making machines for the benefit of seniors in Anandam, an elderly care home in Chennai. They also conduct educational tuitions for more than 250 students around the same vicinity.

Health Insurance at Cholamandalam MS

Cholamandalam MS offers a variety of Health Insurance plans that helps you save bills on hospitalization charges. Till date, more than 20 Lakhs lives have been covered since their inception. 

Health Plans by Cholamandalam MS covers hospitalization charges, Daycare procedures, Ayush treatment charges, Domiciliary Hospitalization, and many other features. They also offer many add-ons which you can avail for enhanced protection. The company has an impressive claim settlement ratio of 97% when it comes to Medical Insurance. With Cholamandalam Health Insurance policy, you can avail cashless treatment from more than 10000+ Network Hospitals all over India. Cholamandalam MS is also known for their fast claim processing, with more than 1, 45,000+ Claims handled alone in 2021-22.

Plans available at Cholamandalam MS

  • Flexi Supreme
  • Flexi health
  • Chola Healthline
  • Chola Hospital Cash Healthline
  • Chola Vector Borne diseases
  • Chola Sarva Shakti Insurance Policy
Features of CholaMandalam Health Plans

  • Hospitalization Expenses – Room Tariff, Cost of Medication, surgical costs, Doctor Fees etc
  • Pre and Post Hospitalization expenses – Within 30 days of hospitalization and charges incurred after 60 days from discharge
  • Daycare expenses – Procedures like Dialysis, Chemotherapy etc
  • Ayush Expenses – Treatment in Ayurveda, Yoga, Siddha, Unani, and Homeopathy
  • Domiciliary Hospitalization – Treatment in the comfort of home
  • Organ Donation
  • Emergency Ambulance Charges
  • Restoration of Sum Assured
  • Free Health Check up
  • New Born Baby Cover from Day 1
Exclusions of CholaMandalam Health Plans

  • Sports Injuries
  • Injuries due to immoral acts
  • War Injuries
  • Self-inflicted injuries
  • Sexually Transmitted diseases
  • Cosmetic Procedures
  • Obesity Procedure
  • Gender Change Procedures
How to Go For Cashless Claims in Chola Mandalam Health Plans?

  • Inform the network hospital that policyholder has registered with Chola Mandalam MS Insurance
  • Produce the Chola MS Insurance Document along with Valid ID Proof 
  • Pre-authorization form will be submitted to Chola MS
  • Chola MS will review the documents and start processing the approval
  • In some cases, Chola will hire a doctor to conduct the hospitalization authorization
  • As per policy terms, the claim will be settled directly with the hospital
Procedure for Reimbursement Claim

  • Inform Chola at 18002089100 within 24 hours of admission, if you get admitted  to a non-network hospital
  • After paying the bills, fill the reimbursement claim form and the hospitalization bills to our nearest Chola MS branch 
  • If the documents are in order, Chola will settle the claim as per terms and conditions