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Flexi Health

Chola Flexi Health Plan

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About Flexi Health

    A health insurance that moulds itself around your life. You can personalise your sum insured, premium payment mode and tenure under the policy. The product also covers you for alternate treatments besides allopathy. Stay healthy. Stay flexi.


  • Flexible Sum Insured options
  • Flexible Premium Payment options – Monthly, Quarterly, Half-yearly, Annual & Single pay
  • Premium based on your location
  • Restoration of Sum Insured. Up to 100% for unrelated claims
  • Recharge Benefit - Extra Sum Insured for related claims
  • Waiting period of only 36 months for pre-existing conditions/disease
  • Tax Exemption under Section 80D of Income Tax Act
  • Lifelong Renewability
  • Covers entire family
  • Cumulative bonus of 10% for every claim-free year up to 50% of sum insured
  • Free health check-up once in every 2 claim-free years
  • No pre-policy health check-up before 50 years of age

What is covered?

  • Hospitalisation Expenses
  • Pre-hospitalisation expenses up to 30 days
  • Post-hospitalisation expenses up to 60 days
  • Day Care Procedures
  • Domiciliary Hospitalisation
  • Organ Donor Hospitalisation Expenses
  • AYUSH Coverage
  • Emergency Ambulance Expenses - Up to 1% of SI subject to a maximum of INR 2,000/- per hospitalisation
  • New-born Baby Cover - Coverage from day one subject to mother being covered under the policy for 12 months continuously from policy commencement date

What is not covered?

  • Initial Waiting Period: 30 days for all illnesses (not applicable on renewal and for accidents)
  • Waiting period of 2 years for treatment of listed diseases
  • Pre-Existing Disease (PED): Benefits not available for any pre-existing condition(s) until 36 consecutive months of continuous coverage
  • Any act of intentional self-injury or attempted suicide
  • War, hostilities whether war declared or not
  • Vaccination or inoculation unless forming a part of post-animal bite treatment
  • Unproven Treatments & Maternity Expenses

For detailed list of exclusions, please refer to the policy wordings on our website


Claim Process (Cashless and Reimbursement)

Reach us at Toll-Free number (1800-208-5544) to register your claim. Don't worry, we will guide you through the rest.


Why Chola MS?

  • 24x7 phone & email support
  • Large network of cashless hospitals
  • Quick & hassle-free claims


The insurance products offered here are underwritten by Cholamandalam MS General Insurance Company Limited. Please seek the advice of your insurance advisor if you require any further information or clarification. The advertisement contains only an indication of cover offered.

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