🚀 Fincover® App is Now Live!
Join 10 Million+ users on web – now available on mobile!
Last updated on: May 20, 2025
The key pain points associated with choosing 1 crore health insurance in India for 2025 include justifying the high sum insured, understanding the layered policy structure, and ensuring inclusion of global and specialized treatment benefits. The featured 1 Crore Health Insurance in India effectively addresses these issues by offering all-inclusive coverage for high-cost treatments, international medical care, critical illnesses, and long-term hospitalization. It is ideal for HNIs, business owners, and families seeking top-tier medical protection without financial limits. The platform enhances user clarity with transparent breakdowns, AI-driven customization based on lifestyle and risk exposure, and expert guidance to ensure maximum return on investment and seamless claims experience.
Author
Read Bio
Reviewed by
Read Bio
In the case of choosing the appropriate health insurance in India, it is significant to make an informed decision in 2025. The Care Plus Plan and the Cholamandalam Flexi Health Plan are two of the options that are currently very popular. Both have convenient medical cover, however, there are essential differences that you need to be aware of before making your decision.
Care Plus and the Cholamandalam Flexi Health Plans are both contemporary health insurance plans meant to cover family and individuals in India. All these plans are used to cover the medical expenses that include hospitalisation, treatment and other health requirements. Care Plus offered by Care Health Insurance guarantees extensive coverage, whereas Cholamandalam Flexi Health Plan offered by Chola MS strives to provide options of customisation of its cover with different sum insured.
More Indians will be in demand of customisable health insurance products in 2025 because of the increased cost of medical services and lifestyle diseases.
The Care Plus Plan offers the various covers which include inpatient expenses, day care treatment, ambulance cover and restoration of the sum insured. Cholamandalam Flexi Health Plan is however flexible in its appeal to those who want to have the flexibility of selecting the covers with maternity, critical illness, and OPD benefits add-ons.
The policies possess varying eligibility requirements, amount of sum insured, premium rates and network hospitals. To see the best fit of either of the plans to you, we need to consider the features of the plans side by side.
Q: Is it possible to purchase both Care Plus and Cholamandalam Flexi Health Plan?
A: Two insurance policies can be carried on health insurance, but the claims made will be solved according to the rules of the insurance companies.
There is an opinion of experts that possessing more than one medical policy may increase your coverage level but you should be conscious of terms and premium outlay.
Q: Does Cholamandalam Flexi include OPD and dental cover?
A: Yes, OPD and dental can be covered with the relevant add-ons.
Restoration of sum insured was among the top three requests among young Indian policyholders in an IRDAI survey.
Q: Does both these health plans cover pre-existing disease?
A: Preexisting illnesses are covered under both plans with a waiting period normally ranging between two-four years.
We shall compare annual premium ( approximate, healthy, non-smoker, individual, 5 lakh sum insured, Delhi, FY 2025):
| Age Group | Care Plus Plan Premium | Cholamandalam Flexi Health Premium. |
|---|---|---|
| 25 years | 7,200 Rs | 6,950 Rs |
| 35 years | 8,700 Rs | 8,250 Rs |
| 45 years | 13,200 Rs | 12,500 Rs |
| 55 years | 23,800 Rs | 21,600 Rs |
The price of the premiums can change according to the location, cover, and optional riders.
Care Plus boasts of one of the largest cashless hospital networks in India with over 19, 000 hospitals including several of the most premium private hospitals. They have a fast claim settlement process that is backed by a digital platform to allow easy uploads and monitoring.
Cholamandalam Flexi has more than 12,000 network hospitals which is quite low compared to Care Plus, however their cashless claims approval time is not so long and their customer care is said to be responsive.
Q: What is the speed of processing cashless claims in each plan?
A: In order documents, most cashless claims take between 2-5 hours to be processed.
Analysts are of the opinion that the broader the network of hospitals in a health plan, the higher your chances of receiving hassle-free treatment around your locality.
Care Plus is the basic covers and offers few add-ons like high amount insured restoration, automatic recharge, and global coverage in certain plans.
Cholamandalam Flexi Health Plan is bright in this segment. You are allowed to add maternity cover, critical illness, OPD, wellness, accidental death, and personal accident benefits. This makes it suitable in families that need customized solutions.
Both the plans have standard waiting periods:
Both are renewed on a lifetime basis and therefore you need never lose your cover provided you pay promptly.
Youthful Professionals and Single.
Like plans with low price and broad network of hospitals.
Care Plus is suitable because of the coverage, whereas Flexi is appealing because of customisation.
Families
Requirement maternity and newborn cover.
Flexi is beneficial in that families that desire to increase cover due to the advent of family members.
Senior Citizens
Search big sum insured, minimum documents, expedited claims.
Higher sum insured and broad hospital tie-up is more suitable to Care Plus.
Q: Does the two plans cover preventive health checkups?
A: Yes, Care Plus has annual checkups inbuilt and Cholamandalam Flexi has it as an option.
The demand on wellness and OPD cover is an all-time high among Indian policyholders as a part of a 2025 review of the health industry.
| Feature | Care Plus Plan | Cholamandalam Flexi Health. |
|---|---|---|
| Sum Insured Range | 5 lakh -1 crore | 2 lakh -25 lakh |
| Rent Capping of the room | None in higher variants | In lower variants. |
| Network Hospitals | 19,000+ | 12,000+ |
| Restoration Benefit | Yes (to 100 percent maximum) | Yes (to 100 percent once) |
| Maternity cover | Add-on only | Add-on, more flexible. |
| OPD Cover | Limited | Available as add-on. |
| Pre & Post Hospitalisation | 60 and 180 days | 60 and 90 days. |
| Annual Health Checkup | Inbuilt | Add-on. |
| Premium (30 yrs) | 8,700 Rs | 8,250 Rs |
In case, you would prefer, large sum insured, an established insurer, extensive network of hospitals, and cashless facility without hassles, Care Plus will be your best choice. It suits the people who travel, desire to have peace of mind and enjoy the benefit of restoration, and yearly health check-ups.
When you want a plan that evolves and adapts with your life, and offers a myriad of helpful benefits, variable amounts of sum insured, and OPD maternity or wellness cover, then Cholamandalam Flexi Health Plan is a new plan. It is particularly appropriate to families, young couples or individuals, who require certain needs which are not covered by the general plans.
Q: Does this mean that I can transfer my current health insurance to either Care Plus or Cholamandalam Flexi Health?
A: Yes, both the insurers welcome portability requests in accordance with the IRDAI-directives. You have to make an application at least 45 days prior to the date of renewal.
Q: Does these health plans have any no-claim bonus?
A: Both are no-claim bonus, which means you get an increment in your sum insured every year after not having made claims.
Q: What happens when I want to buy and renew these policies?
A: Care Plus and Cholamandalam Flexi Health can either be purchased or renewed online through insurance aggregators, insurer websites or through agents.
Q: Which one would be more suitable to OPD and maternity benefits in 2025?
A: Cholamandalam Flexi Health Plan is superior because you can use it to include OPD and maternity covers in a more flexible manner.
How could we improve this article?
Written by Prem Anand, a content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors.
Prem Anand is a seasoned content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors. He has a strong command of industry-specific language and compliance regulations. He specializes in writing insightful blog posts, detailed articles, and content that educates and engages the Indian audience.
The content is prepared by thoroughly researching multiple trustworthy sources such as official websites, financial portals, customer reviews, policy documents and IRDAI guidelines. The goal is to bring accurate and reader-friendly insights.
This content is created to help readers make informed decisions. It aims to simplify complex insurance and finance topics so that you can understand your options clearly and take the right steps with confidence. Every article is written keeping transparency, clarity, and trust in mind.
Based on Google's Helpful Content System, this article emphasizes user value, transparency, and accuracy. It incorporates principles of E-E-A-T (Experience, Expertise, Authoritativeness, Trustworthiness).
Loved by 1M+ users (web). Start your financial journey today!
