Flexi Health (Supreme) Chola MS General Insurance

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A health insurance policy that lets you cover up to 14 family members is Cholamandalam Flexi Health Supreme. Whether you are planning for individual or family health insurance, you are on the right page. Cholamandalam has a vast network of cashless hospitals (over 12,000) that make it easier to access high-quality healthcare services without any hassle.

In today's world, when travelling abroad has become increasingly common, having a health insurance policy with global coverage is a wise choice. Chola Flexi Health Supreme covers medical treatment costs globally. You can choose from the two plan options in the policy: Plus and Premiere. That's just a few benefits to mention. Read on as we explain all about the Cholamandalam Flexi Health Supreme policy.

To learn more about Family Floater Plans.

Highlights of Flexi Health (Supreme) – Chola MS General Insurance

Worldwide personal accident cover (24*7)

Flexi Health Supreme covers Bariatric surgery as well

A long-term health insurance plan for 3 years (renewable)

Cashless treatment available at 12000+ network hospitals

Get all your insurance related queries answered

Chola MS Flexi Health Supreme: Highlights

Read the table below to have a quick understanding of Flexi Health Supreme by Cholamandalam:

Particulars	Details
Policy Name	Chola MS Flexi Health Supreme
Insurance Company	Chola MS General Insurance Company
Sum Insured Options	Flexi Health Supreme Plus (₹5 lakh to ₹25 lakh) Flexi Health Supreme Premier (₹30 lakhs to ₹5 crores)
Types of Plan	Flexi Health Supreme Plus Flexi Health Supreme Premier
Add-ons	Sum Insured Restoration Additional Sum Insured for claims due to Road Traffic Accident (RTA)Daily Care BenefitCompassionate TravelRepatriation of Mortal Remains
Entry age	Self/spouse/parents/parents-in-law: 18 to 75 years Children: 3 months to 26 yearsSiblings: 5 to 75 years
Renewability	Yes
Waiting period	Initial waiting period: 30 days Listed conditions: 24 monthsPre-existing diseases: 36 months (Plus), 24 months (premiere)Maternity waiting period: 36 monthsInfertility treatment and Specs/ Contact lens/hearing aids are covered under the Premiere Plan: 24 months
Grace period	30 days
Network hospital	12000+
Best suited for	Individuals FamiliesCouples planning to start their family in a few years

Wish to Enhance Your Coverage? Take a look at the Riders Available with Chola MS Flexi Health Supreme.

You can increase the coverage and scope of Chola MS Flexi Health Supreme by purchasing various add-ons. Let's have a look at these add-ons and their benefits:

Add-On Covers	Plus	Premiere
Sum Insured Restoration	This rider ensures the policyholders get an additional bonus or increase in addition to the sum insured. This is done in accordance with the prevailing inflation rate at the time of policy renewal.
Additional Sum Insured for claims due	You can use this add-on benefit once a year with up to 25% of the sum insured amount (maximum ₹3 lakhs)	You can use this add-on benefit once a year with up to 25% of the sum insured amount (maximum ₹5 lakhs)
to Road Traffic Accident (RTA)
Daily Care Benefit	₹500 per day ( up to 10 days)	₹1,000 per day (up to 10 days)
Compassionate Travel	Air travel reimbursement for the immediate family: up to ₹5,000	Air travel reimbursement for the immediate family: up to ₹25,000
Repatriation of Mortal Remains	Reimbursement up to ₹3,000	Reimbursement up to ₹10,000
Specialist Consultation Charges	Reimbursement up to ₹25,000	Reimbursement up to ₹50,000
Global Hospitalisation Cover	Coverage (up to base sum insured) for in-patient hospitalisation expenses and daycare treatments outside India (with diagnosis in India)
Personal Accident (PA) Cover	Covered
Child Education Benefit	Covered
Consumables Cover	Coverage for items for which coverage is not available in the policy (under In-patient hospitalisation)
Home Care Expenses	Reimbursement of up to ₹3,000/day (maximum 15 days) for medical expenses of listed diseases	Reimbursement of up to ₹5,000/day (maximum 15 days) for medical expenses of listed diseases
Vaccination Charges	Vaccination charges reimbursement for a newborn baby (up to 1 year) up to ₹5,000
Maternity Cover	Reimbursement up to ₹50,000 per delivery Newborn baby coverage	Reimbursement up to ₹1 lakh per delivery Coverage for a newborn baby
Infertility Treatment	Not covered	Reimbursement up to ₹2,00,000
Bariatric Surgery	Not covered	Reimbursement up to ₹5 lakhs
Recovery Benefit	Not covered	The benefit of 0.5% of the basic sum insured amount (if hospitalised for 10+ days)
Specs/ Contact lens/hearing aids	Not covered	Reimbursement up to ₹10,000
High-End Diagnostics	Not covered	Reimbursement up to ₹25,000 per policy year
Emergency Air Ambulance Cover	Not covered	Reimbursement up to ₹5 lakhs

Chola MS Flexi Health Supreme: Eligibility Criteria

When planning to purchase Flexi Health Supreme, be sure to check the eligibility criteria as well. These are:

The proposer of the policy must be at least 18 years old.

In the family floater, the following members can be covered:

Spouse (entry age: 18-75 years)
Parents (entry age: 18-75 years)
Parents-in-law (entry age: 18-75 years)
Children (entry age: 3 months to 18 years)
Siblings (entry age: 5-18 years)

For children (3 months to 18 years) to be covered, either parent must also be covered in the policy.

For siblings (5 years to 18 years) to be covered, the proposer must also be covered in the policy.

Married females who are either siblings or children are not eligible for coverage.

Features and Benefits of the Chola MS Flexi Health Supreme

Flexi Health Supreme by Cholamandalam offers a range of benefits to its insured members. Here is a detailed description of the various features and benefits of the policy:

Cashless Treatment

Cholamandalam has a large range of network hospitals. With over 12,000 network hospitals, you can easily access cashless treatments. With the benefit of cashless treatment, you no longer have to stress your bank balance. Your insurer is there to cover the cost.

Maternity and Newborn Cover

The policy covers maternity expenses and the newborn baby. To raise the maternity claim, one must complete the waiting period of 24 months (Flexi Health Supreme Premiere) and 36 months (Flexi Health Supreme Plus).

The newborn baby is covered from day 1 until the policy expires.

A Long-term Health Insurance Plan

Flexi Health Supreme by Cholamandalam is a long-term health insurance policy. You can pay a premium for once and stay insured for up to 3 years. No Hassle of renewing the policy every year. However, you also have the option to purchase it for a year.

Two Plan Options

Flexi Health Supreme has two plan options for you. Depending on your preferences, you may choose either of these:

Flexi Health Supreme Plus
Flexi Health Supreme Premiere

Both these plans differ in their coverage and premium charges. The premium for the Premiere plan is slightly higher than that of the Plus plan, as it offers more coverage and benefits.

Add-ons

You get to choose from a wide range of add-on options. These are the coverages in addition to the basic sum insured amount of the policy. Some of these add-ons are sum insured restoration, daily care benefits, compassionate travel, home care expenses, consumables cover, etc.

Wellness Advantage

Cholamandalam understands the importance of keeping track of your health. Under Wellness Advantage, you can access health coaching, a renewal discount on your premium, an emergency helpline connection, and more. Also, you can monitor your health regularly.

Protecting You Worldwide

The policy covers your medical treatment expenses globally and not just in India. Therefore, you can also avail yourself of medical treatments outside India. However, the diagnosis of the disease or health condition must be done in India.

For Family and Individuals

Flexi Health Supreme is a policy suitable for both individuals and large families, up to 14 members. So, whether you are an individual seeking a comprehensive health insurance plan or a family health plan, Flexi Health Supreme by Cholamandalam can be the right choice.

Chola MS Flexi Health Supreme: What is Covered?

Flexi Health Supreme by Cholamandalam offers a wide range of coverage and benefits. Let's have a look at what is covered in this policy:

In-patient Hospitalisation

Expenses incurred during inpatient hospitalisation are covered. It includes the cost of the room, ICU, nursing, anaesthesia, medicines, surgical appliances, tests, etc.

AYUSH Treatments

Along with allopathy, treatment expenses of AYUSH procedures are also covered. These are Ayurveda, Yoga, Unani, Siddha, and Homoeopathy.

Daycare Procedures

Daycare procedures for cataract surgery, kidney diseases, dialysis, and chemotherapy are covered in the policy. These treatments do not require hospitalisation but can be expensive.

Post-hospitalisation

Treatment may not always end at the hospital. In some cases, the treatment continues at home after discharge. Such costs are also covered for a specific number of days. It may include physical therapy, medication, rehabilitation, and other treatments.

Pre-hospitalisation

Prior to hospitalisation, the treatment may begin at home, and such expenses are also covered in this policy. These treatments may include X-rays, diagnostic tests, etc.

Organ Donor Expenses

In the case of an organ donation procedure, the cost of the organ donor will be covered in the policy.

Domiciliary Expenses

Treatments done at home can also be expensive. So, such costs are also covered in the policy.

Newborn Baby Cover

Once you welcome the new member, they are covered under the Cholamandalam Flexi Health Supreme policy until it expires.

Emergency Ambulance

An emergency can knock on your door at any time. In the event that you arrange an emergency ambulance, your insurer will cover the cost.

Add-ons

The policy offers a range of additional coverages. You can purchase these add-ons according to your preferences and health needs.

Chola MS Flexi General Supreme: What is Not Covered?

Cholamandalam Flexi Health Supreme is a great choice for your entire family. However, the policy has a few limitations, like:

Claims During Waiting Periods

Claims raised during waiting periods are not acceptable. You can raise claims once the waiting period for specific conditions is completed.

War/Hostility

Injuries or damages resulting from war activities or hostility are not covered.

Criminal Activities

Any physical injury due to willful participation in criminal activities is not covered.

Expenses for Non-medical Items

Only the expenses of medical items are covered, and non-medical items remain uncovered.

Suicide/self-harm

Physical injuries or health issues due to self-inflicted injuries are not covered.

Drug Abuse/Intoxication

Insured members found to be involved in drug abuse or intoxication may not receive coverage.

Pros & Cons Flexi Health (Supreme) – Chola MS General Insurance

With the Flexi Health Supreme Plan, policyholders can get unlimited sum insured restoration during a policy year if the base sum insured is insufficient due to prior claims

The plan offers global hospitalisation cover up to the base sum insured incurred outside India and anywhere across the World if recommended by your doctor and as per the policy document

The Wellness Advantage of the Flexi Health Plan allows the insured to avail wellness service on the digital platform of the policy during the term of the plan. These include daily health management, fitness programs, digital health coaching, preventive health check-up and much more

With flexi health supreme, the insured is free of any worry regarding bills and form collection before treatment of injuries related to accidents

In addition to allopathy, the flexi health supreme policy also covers alternative therapies to allow the policyholder to maintain a safe lifestyle

The plan doesn’t cover treatment expenses for diseases that arise due to the involvement of the insured in illegal activities or use of illegal substances

The plan also excludes expenses caused due to any intentional self-injury or attempted suicide whether sane or insane

Exclusion is also there for any travel or transportation costs or expenses excluding ambulance charges

Any external congenital diseases, defects or anomalies are also not covered under the Flexi Health Supreme plan

Our Verdict on Chola MS Flexi General Supreme

Cholamandalam is one of the most reputed general insurance companies. So far, the company has settled over 38 lakh claims and has a wide range of cashless network hospitals or 12,000. Cholamandalam Flexi Health Supreme is one of the most suitable family and individual health insurance plans, offering a range of coverages. Not only for members, but the policy also provides coverage for newborn babies. When you need to grow, you can also enhance the coverage of the policy with various add-ons!

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Cholamandalam MS General Insurance Co. Ltd Health
Insurance Company

Cholamandalam Health Insurance is a part of the Cholamandalam MS General Insurance Company, which is a collaboration of two companies namely, Chennai based Murugappa Group which is India's major industrial houses, and Japanese Insurance giant Mitsui Sumitomo Insurance Company. The Japanese Insurance giant is the third largest property insurance company in Japan.

Founded in

2001

Number of Claims

1,27,000+

Number of Policies

20 Lakhs Lives covered

Turnover (GWP)

7,532.9 Crore

JV Partners

Murugappa Group and Mitsui Sumitomo Insurance Group

Claims Experience

Claims Experience Rating 4.7

% of claims settled in less than 30 days
Reflects on the speed of settling valid claims

99.70%

% of Complaints received on overall claims
% customers unhappy with claims experience

0.19%

Claims Incurred Ratio

64.28%

Claim Settlement Ratio (No. of claims)
What % of the claims received were paid?

94.5%

No. of Cashless Hospitals

12,000+

Benefits of Flexi Health (Supreme) – Cholamandalam MS General Insurance Co. Ltd

In-patient Hospitalization
ICU Rent Limit (test)	5% of SI per day
Room Rent Limit	No limit for SI above 2 lakhs
Pre & Post Hospitalization
Post-hospitalization expenses are covered	Up to the Sum Insured
Post-hospitalization expenses are covered for up to	60 – 120 days after discharge from the hospital
Pre-hospitalization expenses covered	Up to the Sum Insured
Pre-hospitalization expenses are covered up to	30 - 60 days before hospitalization
Day Care Treatment
Financial Limit	Up to SI or sum insured
No. of treatments covered	539+ Daycare treatments covered

Top Health Insurance Plans by Chola MS

Flexi Health Supreme

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Ask Anything as We Have Answers to Everything in Insurance

Yes, the plan applies sub-limits on room rent as well as emergency ambulance expenses. However, if the sum insured is above INR 2 lakh, no sub-limits are applied.

Yes, the flexi health supreme plan allows the policyholder to raise claims against their new born baby if the mother is insured under the plan for over a year.

Your hospitalization expenses are covered anywhere across the world with Chola Flexi Health Supreme.

Yes, it is available in easy monthly installments.

You can use a Chola MS health insurance premium calculator to estimate the premium before buying the policy.

Health is unpredictable for anyone. So, there is no right age to purchase a health insurance policy. It is best to purchase a health insurance policy as soon as you can.

Yes. With Chola Flexi Health Supreme, you get two plan options:

Flexi Health Supreme Plus
Flexi Health Supreme Premiere

There are different waiting periods in Flexi Health Supreme. These are:

30 days of the initial waiting period
24 months for listed conditions, infertility treatment, and specs/ contact lens/hearing aids cover
24-36 months for PED
36 months for maternity cover.