Aditya Birla Health Insurance vs Chola MS Health Insurance: Overview 2025

Selecting the appropriate health insurance provider is a very important decision that Indian families and individuals should make, particularly as healthcare expenses are on the increase in 2025. Some of the most preferred companies include Aditya Birla Health Insurance and Chola MS Health Insurance. Both are veteran players in the Indian health insurance market and have a range of plans to suit various requirements.

This paper provides an in-depth comparison of Aditya Birla Health Insurance and Chola MS Health Insurance, features, advantages and disadvantages, and policy packages, and customer care. We also give you data, expert opinions, and related user questions to help you choose the most suitable plan for 2025.

What Is the Difference Between Aditya Birla Health Insurance and Chola MS Health Insurance?

Aditya Birla Health Insurance (ABHI) and Chola MS Health Insurance were established to address the evolving needs of Indian policyholders. Both the companies offer health insurance policies like individual covers, family floater health insurance plans, critical illness covers, and wellness rewards programs.

Their essence, however, is different in terms of their focus areas: Aditya Birla Health Insurance lays much emphasis on wellness, rewarding healthy lifestyles with HealthReturns, whereas Chola MS focuses on simplicity and extensive coverage of the hospital network, particularly in semi-urban and rural areas of India.

Fun fact? Both Aditya Birla and Chola MS have partnerships with thousands of hospitals and clinics in Tier 1, 2, and 3 cities, which makes cashless hospitalisation more accessible in 2025.

What are the Major Features and Product Advantages of Aditya Birla Health Insurance in 2025?

Aditya Birla Health Insurance Company Limited is a subsidiary of the Aditya Birla Group and is distinguished by innovation and customer-focused services. It has continually enhanced policy benefits and health-first benefits.

Salient features of Aditya Birla Health Insurance:

• HealthReturns Rewards: Get up to 30 percent of your premium back when you stay healthy with their fitness tracking and doctor consultations.
• Comprehensive Chronic Care: Activ Health plans cover chronic conditions such as diabetes, hypertension, and asthma on a regular basis.
• Digital Wellness Ecosystem: Free access to telemedicine, health coaching, mental health counselling and daily fitness challenges.
• Wide Network of 10,000+ Hospitals: Cashless treatments can be availed easily in major cities and towns.
• Flexible Sum Insured Options: Sum insured can be as low as Rs 2 lakh and as high as Rs 2 crore.
• No Claim Bonus (NCB): Get up to 50 percent NCB for claim-free years.
• Super Top-Up Add-ons: Cheap methods of adding to the total health cover.
• Fast Claim Settlement: AI-based workflows enable 97 percent of claims to be settled within 7 days.
• Tax Benefits: The policies are subject to Section 80D tax deduction.

Example:
Mrs Neetu, a 40-year-old working woman in Mumbai, chose an Activ Fit plan, monitored steps using the app, and received an annual premium discount in three consecutive years.

People also enquire

What is HealthReturns in Aditya Birla Health Insurance?
HealthReturns is a reward benefit in Aditya Birla policies where policy holders get premium returns by maintaining good health and achieving fitness goals.

What are the key features and advantages of Chola MS Health Insurance in 2025?

Hola MS General Insurance Company is a joint venture between the Murugappa Group and Mitsui Sumitomo Insurance of Japan and provides a wide variety of health products. Their approaches are based on accessibility, low premiums, and wide coverage.

Chola MS Health Insurance Highlights

• Wide Cashless Hospital Network: More than 8,500 hospitals to process claims smoothly.
• Special Plans to Families: “Family Healthline” policy covers nuclear and joint families in a single policy.
• Coverage of Critical Illnesses: Lump-sum payout plans on over 20 critical illnesses.
• Day Care and Domiciliary Treatments: The policies cover contemporary treatments that do not require 24 hours stay in the hospital.
• Restoration Benefit: In case sum insured is reached, it is renewed automatically to make future claims.
• Quick E-card Services: Convenient access to health card to avail cashless hospitalisation.
• Wellness and OPD Benefits: There are plans that cover annual check-ups, doctor visits and pharmacy discounts.
• Low Co-Payment: Co-payment is minimal and thus the insured will have minimal out-of-pocket expenses.
• Premium Waiver: In some plans, future premiums may be waived in case of critical diagnosis of the policyholder.

Example:
Mr Subramaniam, a 55-year-old diabetic in Coimbatore, took Chola MS Individual Healthline. He was treated without delay, and without paying, in a local hospital, which was a minor operation.

Expert Insight:
Chola MS is a popular option among tier 2 and rural India where affordability and accessibility are major concerns, says Dr Ramesh Chander, Health Insurance Advisor.

How Do The Aditya Birla and Chola MS Plans Compare On Key Parameters?

The following table shows product features and service metrics in 2025:

People also inquire

Whose company has a better claim settlement support?
Aditya Birla Health Insurance has a slightly better claim settlement ratio and quicker average turnaround than Chola MS as per the data of 2024.

What are the advantages and disadvantages of Aditya Birla health insurance plans in 2025?

Advantages of Aditya Birla Health Insurance:

• Market-leading incentives to stay healthy and preventive care.
• Many hospitals offer high quality cashless convenience.
• Simple policy management via mobile application, fast response.
• Flexible top-up and add-on covers of chronic diseases.
• No age limit on renewals

Disadvantages of Aditya Birla Health Insurance:

• Healthreturns premiums are only applicable to certain plans.
• The premiums may be higher than the other insurers in certain age groups.
• Certain higher-end features are restricted to urban policyholders.

Case Study:
Aravind, a 32-year-old resident of Bengaluru, had good lifestyle habits with the help of the fitness app by Aditya Birla. He got Rs 5,000 in HealthReturns that he utilized to lower his renewal premium.

What Are the Advantages and Disadvantages of Chola MS Health Insurance Plans In 2025?

Advantages of Chola MS Health Insurance:

• Very cheap premiums, particularly to families and senior citizens.
• Good coverage in tier 2, 3 cities and small towns.
• No frills, simple covers to facilitate fast purchase and easy claim.
• Premium waiver and automatic sum insured restoration in most of the plans.
• Excellent track record in emergency and critical illness management.

Disadvantages of Chola MS Health Insurance:

• Insufficient aggressive wellness programs or health incentives.
• Less digital health monitoring tools than the competition.
• Some of the advanced treatments can have co-payments or sub-limits.

Fun fact? In 2024, in Tamil Nadu and Andhra Pradesh, more than 35 percent of rural policyholders chose Chola MS because of its effective local hospital affiliations.

What Is The Comparison Of Customer Experience And Claim Settlement Between Aditya Birla And Chola MS?

Aditya Birla Health Insurance Customer Experience

• Smooth online on-boarding.
• Claims approval system based on AI.
• Friendly customer care 24 hours a day through chat, phone, and app.
• Mean time of claim settlement: less than 7 days.
• Mobile wallet to instantly reimburse health rewards.

Chola MS Health Insurance Customer Experience

• Good language support in south India languages.
• Specific helplines to resolve quick query on claims.
• WhatsApp and E-card services to rural customers.
• Average claims settled in 9-10 days.
• A consistently positive customer experience of ease of hospitalisation in the rural areas.

Expert Insight:
Aditya Birla may be the winner, in case you are most concerned with digital features and access to urban hospitals. However, the people in small towns or those who want to afford their family can find Chola MS more accessible, says Ms. Soniya Joshi, Certified Insurance Planner.

What Are The Plans That Can Be Taken By Families, Senior Citizens Or Corporate Buyers?

Aditya Birla Plans

• Activ Health Platinum Enhanced: Individual and family.
• Activ Assure Diamond: Broad cover against illnesses, maternity and wellness benefits.
• Health Infinity: Large sum insured, emergency cover worldwide.
• Activ Care: This is specifically targeted at the elderly with chronic illnesses.

Chola MS Plans

• Family Healthline: This is a flexible family floater policy, and it covers maternity and newborn.
• Individual Healthline: Adults, senior citizens, and children.
• Critical Healthline: Lump-sum on the diagnosis of critical illness.
• Super Top-up Insurance: This offers additional cushion to active health cover.

People also enquire

Is maternity covered in maternity covered under aditya birla or chola ms health plans?
Both provide maternity covers, with a 2-4 year waiting period, in some family floater policies.

What to Take into Account Before Purchasing Health Insurance in 2025?

Purchasing a health plan is more than price comparison The following are things you need to consider:

• Your age and health condition.
• Previous and future health requirements of your family.
• Select hospitals of your city.
• Chronic illness or maternity needs
• Digital services or manual claim preference
• The history of the insurance company in terms of the speed of claim settlement.
• Value-added benefits such as wellness benefits, tele-consultations, fitness rewards.

It is always advisable to use the services of reputable online marketplaces to compare plans offered by Aditya Birla, Chola MS Health Insurance, and other insurers. Check authentic user reviews, latest terms and premium offers.

Which is the better health insurance among young urban families?

For young urban policyholders (age 25-40) with regular fitness routines, Aditya Birla’s rewards and digital tools help manage wellness and save up to 30 percent on renewal. The large network in the top metros will provide a seamless cashless hospital experience.

What Health Insurance Fits Joint Families In Small Cities?

Hola MS Family Healthline is a good option among joint families in tier 2 and 3 cities because of low premiums, simple claims, and coverage of parents, in-laws or extended family members under a single policy.

Which Is More Dependable In Emergency Hospitalisation?

Both companies have high cashless claim rates, with Aditya Birla leading in corporate hospital chains, and Chola MS leading in mid-size and regional hospital access.

Case Study:
Sunita, 61, residing in Madurai, had a stroke and was taken to a local hospital. Hola MS received cashless claim processing in a few hours, and her cousin in urban Pune was equally speedily taken care of by a partner facility of Aditya Birla.

What Are The Most Frequently Asked Questions (FAQs) By Policyholders?

Others are Asking

Q1. Can I switch my policy between Chola MS and Aditya Birla or vice versa?
Yes, under the IRDAI portability guidelines, you can transfer your existing health insurance policy to another insurer during renewal, and most of the benefits and waiting period benefits will be carried forward.

Q2. Are both insurance companies covering telemedicine or online doctor consultation?
Aditya Birla offers telemedicine and virtual health coach in their major plans; Chola MS provides basic tele consultations in some of their plans.

Q3. What about pre-existing disease?
Both insurers cover pre-existing conditions after a 24-48 month waiting period, depending on the plan.

Q4. Is there any difference in policy premium increase after claim?
Premiums are not usually increased simply because of claims but age band changes and policy upgrades can increase annual premium.

Q5. What can I do to 10x cashless claim?
Carry your e-card, select network hospitals and notify the insurance company within a specified time after hospitalisation. Claim registration through online portals or app services is faster.

Q6. How do I compare Aditya Birla Health and Chola MS plans?
You can compare insurance plans and quotes online using the latest insurance comparison websites to get the latest features, quotes and compare plans before you purchase.

TLDR or Short Summary

• Aditya Birla Health Insurance: Urban, tech-savvy, fitness-oriented consumers; HealthReturns, widest hospital network, robust digitisation; premiums tend to be higher.
• Hola MS Health Insurance: Ideal to cover low-cost, family-focused plans; best in small towns and rural locations; simple claims, limited online features.

Key tip: Don’t just compare price, but coverage, speed of claims and value-added health benefits. Use online insurance platforms to get the latest features and authentic reviews.
Both have good claim settlement rates and lifelong renewals, which are the best options in 2025.

Sources:

• The official site of Aditya Birla Health Insurance Company Limited and Chola MS General Insurance Company Limited product brochures
• Industry knowledge provided by certified planners and health insurance advisors