Flexi Health (Supreme) Cholamandalam MS General Insurance Co. Ltd
Highlights of Flexi Health (Supreme) – Cholamandalam MS General Insurance Co. Ltd
Claims Settlement Ratio – 94.5%
PED Waiting# - 36 months
Network Hospitals - 12000+
Policies Issued – 20 lakhs lives covered
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Pros & Cons Flexi Health (Supreme) – Cholamandalam MS General Insurance Co. Ltd
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
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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
% 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 |
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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.