{"uin":"CHOHLGP24033V022324","name":"Flexi Plus","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324","insurer":{"slug":"cholamandalam-ms-general-insurance","name":"Cholamandalam MS General Insurance Company Limited","url":"https://indiainsurances.com/insurer/cholamandalam-ms-general-insurance"},"line":"health","category":"group-health","category_name":"Group health","irdai_type":"Group","kind":"product","status":"active","approved_on":"2020-07-30","withdrawn_on":null,"summary":"Flexi Plus is a group health policy for borrowers or co-borrowers and their families, issued for 1,2,3,4 and 5 years up to the loan period. It covers inpatient hospitalisation in India, with a 30-day initial waiting period, 36 months for pre-existing diseases and optional covers such as maternity, outpatient benefit and sum insured restoration.","analysis":{"state":"machine","analysed_at":"2026-10-19 19:02:59.835853+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"The documents describe individual and family floater sum insured bases, but do not name plan variants.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"The policy is issued for a minimum term of one year up to the loan period, not exceeding 5 years. The term options are 1,2,3,4 and 5 years.","display":"1,2,3,4 and 5 years, up to the loan period and not exceeding 5 years","note":null,"quote":"This policy will be issued for a minimum term of one year upto the loan period not exceeding a maximum of 5 years. The term options under the policy shall be 1,2,3,4 and 5 years.","sources":[{"clause":"1","heading":"PERSONS WHO CAN BE INSURED","page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-1"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"For cashless planned hospitalisation, pre-authorisation must be obtained 72 hours before planned admission; for cashless emergency admission, within 48 hours. For reimbursement, intimation must be given within 48 hours for planned hospitalisation and within 24 hours for emergency hospitalisation.","display":"Cashless: 72 hours before planned admission or within 48 hours of emergency admission; reimbursement: within 48 hours for planned hospitalisation or within 24 hours of emergency hospitalisation","note":null,"quote":"Cashless - Admission in Network Hospital | Planned Hospitalization: pre-authorization has to be obtained 72 hours prior to the date of planned admission | Emergency Hospitalization: within 48 hours of an emergency admission\nReimbursement - Admission in Non - Network Hospital (E mail: customercare@cholams.murugappa,com) or phone (@ Toll free no. 1800-208-9100) | Planned Hospitalization - Claim intimation has to be given to us on email or at the Toll free Number within 48 hours for planned hospitalization | Emergency Hospitalization: Claim intimation has to be given to us on email or at the Toll free Number within 24 hours of an emergency hospitalization","sources":[{"clause":"30(b)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-30-b-4"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Claim Form duly filled and signed by patient/You.","Original Discharge summary in the hospital letter head with the seal and sign of the doctor with complete details of diagnosis, treatment given, treatment advised etc","Original Main bill from the hospital with cost wise break up.","Original payment receipt (Receipt should have Serial No)","Original investigation reports (such as X Ray, Lab Reports, Scan reports etc)","All pharmacy bills should be accompanied with relevant prescriptions.","Implant stickers or invoice where ever applicable","In case of Road traffic accident (RTA), copy of FIR and/or Medico legal Certificate (MLC) would be required.","Proof of identity and residence of the beneficiary for claims exceeding Rs 1 Lakh"],"display":"Claim form, discharge summary, hospital bill, payment receipt, investigation reports, pharmacy bills with prescriptions, implant stickers or invoice, FIR/MLC for road traffic accident, and identity/residence proof for claims exceeding Rs 1 Lakh","note":null,"quote":"Following documents are to be submitted for processing of the claim:\n- Claim Form duly filled and signed by patient/You.\n- Original Discharge summary in the hospital letter head with the seal and sign of the doctor with complete details of diagnosis, treatment given, treatment advised etc\n- Original Main bill from the hospital with cost wise break up.\n- Original payment receipt (Receipt should have Serial No)\n- Original investigation reports (such as X Ray, Lab Reports, Scan reports etc) – These are required for supporting the ailment, hence all reports taken prior / at the time or after the hospitalization are required.\n- All pharmacy bills should be accompanied with relevant prescriptions. Bills should contain date and patient name. If pharmacy is charged in the Main Hospital bill, then proper itemized break up of those medicines should be obtained from the hospital.\n- Implant stickers or invoice where ever applicable\n- In case of Road traffic accident (RTA), copy of FIR and/or Medico legal Certificate (MLC) would be required.\n- Proof of identity and residence of the beneficiary for claims exceeding Rs 1 Lakh","sources":[{"clause":"30(c)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-30-c-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"The Company shall settle or reject a claim within 15 days from receipt of the last necessary document. For delay in payment, it must pay interest from receipt of the last necessary document to payment at 2% above the bank rate.","display":"Settle or reject within 15 days from receipt of last necessary document; delay interest at 2% above the bank rate","note":null,"quote":"The Company shall settle or reject a claim ,as the case may be, within 15 days from the date of receipt of last necessary document ... In case of delay in the payment of a claim, the Company shall be liable to pay interest to the policyholder from the date of receipt of last necessary document to the date of payment of claim at a rate 2% above the bank rate.","sources":[{"clause":"30(i)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-30-i"},{"clause":"30(ii)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-30-ii"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Expenses related to the treatment of a Pre-Existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months","Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of first 12 months","Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident","Investigation & Evaluation – Code – Excl04","Rest Cure, rehabilitation and respite care – code – Excl05","Change-of-Gender treatments: Code – Excl07","Cosmetic or plastic Surgery: Code – Excl08","Hazardous or Adventure sports: Code – Excl09","Breach of law: Code – Excl 10","Excluded Providers: Code – Excl11","Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof","Sterility and Infertility: Code – Excl17","Maternity Expenses: Code – Excl18","Any treatment or investigation taken outside India","Non medical Expenses incurred during Hospitalisation"],"display":"Key exclusions include PED for 36 months, specified diseases for 12 months, illness in first 30 days, investigation and evaluation, rest cure, change of gender, cosmetic surgery, adventure sports, breach of law, excluded providers, substance abuse, sterility/infertility, maternity expenses, treatment outside India and non-medical expenses.","note":null,"quote":"Expenses related to the treatment of a Pre-Existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months of continuous coverage after the date of inception of the first policy with insurer. ... Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of first 12 months of continuous coverage after the date of inception of the first policy with us. ... Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered. ... Excl04 Investigation & Evaluation – Code – Excl04 ... Excl05 Rest Cure, rehabilitation and respite care – code – Excl05 ... Change-of-Gender treatments: Code – Excl07: Expenses related to any treatment, including surgical management, to change characteristics of the body to those of the opposite sex. ... Cosmetic or plastic Surgery: Code – Excl08: Expenses for cosmetic or plastic surgery or any treatment to change appearance unless for reconstruction following an Accident, Burn(s) or Cancer or as part of medically necessary treatment to remove a direct and immediate health risk to the insured. ... Hazardous or Adventure sports: Code – Excl09: Expenses related to any treatment, necessitated due to participation as a professional in hazardous or adventure sports ... Breach of law: Code – Excl 10: Expenses for treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law with criminal intent. ... Excluded Providers: Code – Excl11: Expenses incurred towards treatment in any hospital or by any Medical Practitioner or any other provider specifically excluded by the Insurer ... Code – Excl12: Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. ... Sterility and Infertility: Code – Excl17: Expenses related to Sterility and infertility. ... Maternity Expenses: Code – Excl18 ... Any treatment or investigation taken outside India. ... Non medical Expenses incurred during Hospitalisation.","sources":[{"clause":"4.1(a)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-4-1-a"},{"clause":"4.1(a)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-4-1-a-2"},{"clause":"4.1(a)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-4-1-a-3"},{"clause":"Excl04","heading":"Investigation & Evaluation – Code – Excl04","page":11,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-excl04"},{"clause":"Excl05","heading":"Rest Cure, rehabilitation and respite care – code – Excl05","page":11,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-excl05"},{"clause":"Excl07","heading":"Change-of-Gender treatments","page":12,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-excl07"},{"clause":"5","heading":"Cosmetic or plastic Surgery","page":12,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-5"},{"clause":"6","heading":"Hazardous or Adventure sports","page":12,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-6"},{"clause":"7","heading":"Breach of law","page":12,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-7"},{"clause":"8","heading":"Excluded Providers","page":12,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-8"},{"clause":"9","heading":"Code","page":12,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-9"},{"clause":"14","heading":"Sterility and Infertility","page":12,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-14"},{"clause":"15","heading":"Maternity Expenses: Code – Excl18","page":12,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-15"},{"clause":"25","heading":null,"page":13,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-25"},{"clause":"30","heading":null,"page":13,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-30"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"For grievances, the insured may contact the company through its website, toll-free number, email or courier to Manager, Customer Care. Complaints are registered at customercare@cholams.murugappa.com, with escalation to the Nodal Officer and then the Chief Grievance Officer before the Insurance Ombudsman.","display":"First contact Chola MS Customer Care: www.cholainsurance.com, 1800 208 9100, customercare@cholams.murugappa.com or Manager, Customer Care; then Nodal Officer and Chief Grievance Officer","note":null,"quote":"Mechanism for Grievance Redressal:- In case of any grievance the insured person may contact the company through\nWebsite : www.cholainsurance.com Toll free : 1800 208 9100 E-Mail : customercare@cholams.murugappa.com Courier : Manager, Customer Care, Chola MS General Insurance Company Limited Hari Nivas Towers First Floor, #163, Thambu Chetty Street, Parry’s Corner, Chennai - 600001 ... Please write to customercare@cholams.murugappa.com to register your complaint. ... In case you are dissatisfied with the response or have not received a response, you may escalate the same to our Nodal Officer – Nodalescalation@cholams.murugappa.com ... In case you are still unhappy with the response or have not received a response within 7 working days, you may escalate the same to our Chief Grievance Officer - GRO@cholams.murugappa.com","sources":[{"clause":null,"heading":"6. GRIEVANCES REDRESSAL MECHANISM","page":21,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-6-grievances-redressal-mechanism"},{"clause":null,"heading":"Procedure of Grievance Redressal","page":21,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-procedure-of-grievance-redressal"},{"clause":null,"heading":"Escalation Matrix","page":22,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-escalation-matrix"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_insured_options","label":"Sum insured options","section":"Cover","meaning":"The cover amounts you can choose from.","status":"not-stated","value":null,"display":null,"note":"The documents point to the Policy Schedule/Certificate for the Sum Insured and do not list selectable cover amounts.","quote":null,"sources":[],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"The optional Endorsement no. 18 can waive this 30-day waiting period if bought.","quote":"Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered. ... On Consideration of payment of additional premium, it is hereby understood and agreed that the Waiting Period applicable for claims arising due to illness and falling within the 30 days from the first policy commencement date as per Waiting Period 4.1.i. shall stand waived.","sources":[{"clause":"4.1(a)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-4-1-a-3"},{"clause":null,"heading":"Service Provider","page":38,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-service-provider"}],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"quote-verified","value":{"unit":"months","amount":36},"display":"36 months","note":"Optional Endorsement no. 17 can waive the PED waiting period with co-payment; optional Endorsement no. 20 can reduce it to 24/12/NIL Months as opted.","quote":"Expenses related to the treatment of a Pre-Existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months of continuous coverage after the date of inception of the first policy with insurer. ... On Consideration of payment of additional premium, it is hereby understood and agreed that the Waiting Period applicable for claims due to Pre-existing Disease/Condition shall be waived ... On Consideration of payment of additional premium, it is hereby understood and agreed that the Waiting Period of 36 months applicable for claims due to Pre-existing Disease/Condition as per waiting period 4.1.iii, shall be reduced to 24/12/NIL Months as opted and mentioned on the Policy Schedule / Certificate.","sources":[{"clause":"4.1(a)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-4-1-a"},{"clause":null,"heading":"Service Provider","page":38,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-service-provider"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"quote-verified","value":{"unit":"months","amount":12},"display":"12 months","note":"Optional Endorsement no. 19 can waive the 12 months waiting period for the listed illnesses if bought.","quote":"Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of first 12 months of continuous coverage after the date of inception of the first policy with us. ... On Consideration of payment of additional premium, it is hereby understood and agreed that the Waiting Period of 12 months applicable for the illness listed under Waiting Period 4.1.ii, shall stand waived.","sources":[{"clause":"4.1(a)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-4-1-a-2"},{"clause":null,"heading":"Service Provider","page":38,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-service-provider"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"quote-verified","value":["Congenital Internal Anomaly (for other than New Born Baby)","Varicose veins and Varicose Ulcers","Rheumatism and arthritis of any kind","Treatment of diseases on ears/ tonsils /adenoids /paranasal sinuses / Deviated Nasal Septum","Stones in the Urinary and Biliary systems","Gastric or Duodenal Ulcer","Any type of benign Cyst/ Nodules/ Polyps/ Tumours/ Breast Lumps","Intervertebral Disc Prolapse, and Degenerative Disc / vertebral Disorders","Cataract","Benign Prostatic Hypertrophy","Myomectomy, Hysterectomy unless because of malignancy","Dilatation and curettage (D&C)","Anal Fistula, Fissure and Piles","All types of Hernia","Hydrocele","Chronic Renal Failure","Joint replacement Surgery unless because of accident"],"display":"Congenital Internal Anomaly; Varicose veins and Varicose Ulcers; Rheumatism and arthritis; ENT/DNS diseases; urinary and biliary stones; Gastric or Duodenal Ulcer; benign cysts/nodules/polyps/tumours/breast lumps; disc/vertebral disorders; Cataract; BPH; Myomectomy/Hysterectomy; D&C; Anal Fistula/Fissure/Piles; Hernia; Hydrocele; Chronic Renal Failure; Joint replacement Surgery unless because of accident","note":null,"quote":"List of specific diseases/procedures are as below\n1. Congenital Internal Anomaly (for other than New Born Baby)\n2. Varicose veins and Varicose Ulcers\n3. Rheumatism and arthritis of any kind\n4. Treatment of diseases on ears/ tonsils /adenoids /paranasal sinuses / Deviated Nasal Septum\n5. Stones in the Urinary and Biliary systems\n6. Gastric or Duodenal Ulcer CHOHLGP24033V022324 Policy Wordings\n7. Any type of benign Cyst/ Nodules/ Polyps/ Tumours/ Breast Lumps\n8. Intervertebral Disc Prolapse, and Degenerative Disc / vertebral Disorders\n9. Cataract\n10. Benign Prostatic Hypertrophy\n11. Myomectomy, Hysterectomy unless because of malignancy\n12. Dilatation and curettage (D&C)\n13. Anal Fistula, Fissure and Piles\n14. All types of Hernia\n15. Hydrocele\n16. Chronic Renal Failure\n17. Joint replacement Surgery unless because of accident","sources":[{"clause":"4.1(f)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-4-1-f"}],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"quote-verified","value":{"unit":"months","amount":60},"display":"sixty continuous months","note":"The moratorium applies to the sums insured of the first policy; for enhanced sums insured, sixty continuous months is counted from the enhancement date.","quote":"After completion of sixty continuous months of coverage (including portability and migration) in health insurance policy, no policy and claim shall be contestable by the insurer on grounds of non-disclosure, misrepresentation, except on grounds of established fraud. This period of sixty continuous months is called as moratorium period.","sources":[{"clause":null,"heading":"12. Moratorium Period","page":16,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-12-moratorium-period"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"quote-verified","value":"The insured person may port the policy to other insurers by applying at least 45 days before, but not earlier than 60 days from, the policy renewal date. Accrued continuity benefits are given to the extent of Sum Insured, cumulative bonus, specific waiting periods, PED waiting period and moratorium period if continuously covered without lapses.","display":"Can port to other insurers with continuity benefits by applying at least 45 days before, but not earlier than 60 days from, the renewal date","note":null,"quote":"The insured person will have the option to port the policy to other insurers by applying to such insurer to port the entire policy along with all the members of the family, if any, at least 45 days before, but not earlier than 60 days from the policy renewal date. ... the proposed insured person will get the accrued continuity benefits to the extent of Sum Insured, cumulative CHOHLGP24033V022324 Policy Wordings\nbonus if any, Specific waiting periods, waiting period for pre-existing disease in the previous policy, moratorium period, provided the policy was renewed continuously without a break.","sources":[{"clause":null,"heading":"9. Portability","page":15,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-9-portability"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"quote-verified","value":false,"display":"No; renewed till the closure of the loan","note":null,"quote":"The policy can be renewed till the closure of the loan","sources":[{"clause":"1","heading":"PERSONS WHO CAN BE INSURED","page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-1"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"quote-verified","value":"No loading applies on renewals based on individual claims experience.","display":"No loading on renewals based on individual claims experience","note":null,"quote":"No loading shall apply on renewals based on individual claims experience.","sources":[{"clause":null,"heading":"9. Portability","page":15,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-9-portability"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"quote-verified","value":["Investigation & Evaluation – Code – Excl04","Rest Cure, rehabilitation and respite care – code – Excl05","Obesity/Weight Control: Code – Excl06","Change-of-Gender treatments: Code – Excl07","Cosmetic or plastic Surgery: Code – Excl08","Hazardous or Adventure sports: Code – Excl09","Breach of law: Code – Excl 10","Excluded Providers: Code – Excl11","Code – Excl12: Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof","Code – Excl13: Treatments received in health hydros, nature cure clinics, spas or similar establishments","Code – Excl14 Dietary supplements and substances that can be purchased without prescription","Refractive Error: Code – Excl15","Unproven Treatments Code – Excl16","Sterility and Infertility: Code – Excl17","Maternity Expenses: Code – Excl18","Treatment rendered by a Medical Practitioner which is outside his discipline","Expenses incurred towards dental treatment or surgery not requiring hospitalization under anesthesia","Any expenses incurred towards hearing aids, eyeglasses or contact lenses","Circumcisions (unless necessitated by illness or injury and forming part of treatment).","Pre & Post hospitalisation expenses of the organ donor and consequential loss to such organ donor.","Any travel or transportation costs or expenses.","intentional self-injury or attempted suicide whether sane or insane.","Conditions for which treatment could have been done on an OPD basis without any Hospitalisation and Outpatient treatment.","Congenital anomaly /illness / diseases / condition which are external.","Any treatment or investigation taken outside India.","Vaccination or inoculation unless forming a part of post-animal bite treatment","War, Invasion, Act of Foreign Enemy, Warlike operations","ionizing radiation or contamination by radioactivity","Treatment other than Allopathy and AYUSH","Non medical Expenses incurred during Hospitalisation"],"display":"Permanent exclusions include Excl04 to Excl18 and product exclusions such as outside-discipline treatment, non-hospital dental treatment, hearing aids/eyeglasses/contact lenses, circumcision except when medically required, donor pre/post expenses, travel/transport, intentional self-injury, OPD-manageable conditions, external congenital anomalies, treatment outside India, vaccination except post-animal bite, war, ionizing radiation, treatment other than Allopathy and AYUSH, and non-medical expenses.","note":null,"quote":"Excl04 Investigation & Evaluation – Code – Excl04 ... Excl05 Rest Cure, rehabilitation and respite care – code – Excl05 ... Obesity/Weight Control: Code – Excl06 ... Change-of-Gender treatments: Code – Excl07 ... Cosmetic or plastic Surgery: Code – Excl08 ... Hazardous or Adventure sports: Code – Excl09 ... Breach of law: Code – Excl 10 ... Excluded Providers: Code – Excl11 ... Code – Excl12: Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. ... Code – Excl13: Treatments received in health hydros, nature cure clinics, spas or similar ... Code – Excl14 Dietary supplements and substances that can be purchased without prescription ... Refractive Error: Code – Excl15 ... Unproven Treatments Code – Excl16 ... Sterility and Infertility: Code – Excl17 ... Maternity Expenses: Code – Excl18 ... Treatment rendered by a Medical Practitioner which is outside his discipline or the discipline for which he is licensed ... Expenses incurred towards dental treatment or surgery not requiring hospitalization under anesthesia are excluded ... Any expenses incurred towards hearing aids, eyeglasses or contact lenses ... Circumcisions (unless necessitated by illness or injury and forming part of treatment). ... Pre & Post hospitalisation expenses of the organ donor and consequential loss to such organ donor. ... Any travel or transportation costs or expenses.\n22. intentional self-injury or attempted suicide whether sane or insane. ... Conditions for which treatment could have been done on an OPD basis without any Hospitalisation and Outpatient treatment. ... Congenital anomaly /illness / diseases / condition which are external. ... Any treatment or investigation taken outside India. ... Vaccination or inoculation unless forming a part of post-animal bite treatment ... Injury / illness directly caused by or arising from or attributable to War, Invasion, Act of Foreign Enemy, Warlike operations ... All expenses caused by ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel.\n29. *Treatment other than Allopathy and AYUSH ... Non medical Expenses incurred during Hospitalisation.","sources":[{"clause":"Excl04","heading":"Investigation & Evaluation – Code – Excl04","page":11,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-excl04"},{"clause":"Excl05","heading":"Rest Cure, rehabilitation and respite care – code – Excl05","page":11,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-excl05"},{"clause":"Excl06","heading":"Obesity/Weight Control","page":11,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-excl06"},{"clause":"Excl07","heading":"Change-of-Gender treatments","page":12,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-excl07"},{"clause":"5","heading":"Cosmetic or plastic Surgery","page":12,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-5"},{"clause":"6","heading":"Hazardous or Adventure sports","page":12,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-6"},{"clause":"7","heading":"Breach of law","page":12,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-7"},{"clause":"8","heading":"Excluded Providers","page":12,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-8"},{"clause":"9","heading":"Code","page":12,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-9"},{"clause":"10","heading":"Code – Excl13: Treatments received in health hydros, nature cure clinics, spas or similar","page":12,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-10"},{"clause":"11","heading":"Code","page":12,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-11"},{"clause":"12","heading":"Refractive Error","page":12,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-12"},{"clause":"13","heading":"Unproven Treatments Code","page":12,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-13"},{"clause":"14","heading":"Sterility and Infertility","page":12,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-14"},{"clause":"15","heading":"Maternity Expenses: Code – Excl18","page":12,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-15"},{"clause":"16","heading":null,"page":13,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-16"},{"clause":"17","heading":null,"page":13,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-17"},{"clause":"18","heading":"Any expenses incurred towards hearing aids, eyeglasses or contact lenses","page":13,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-18"},{"clause":"19","heading":null,"page":13,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-19"},{"clause":"20","heading":null,"page":13,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-20"},{"clause":"21","heading":null,"page":13,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-21"},{"clause":"23","heading":null,"page":13,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-23"},{"clause":"24","heading":null,"page":13,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-24"},{"clause":"25","heading":null,"page":13,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-25"},{"clause":"26","heading":"Vaccination or inoculation unless forming a part of post-animal bite treatment","page":13,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-26"},{"clause":"27","heading":null,"page":13,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-27"},{"clause":"28","heading":null,"page":13,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-28"},{"clause":"30","heading":null,"page":13,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-30"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The policyholder may cancel at any time during the term by giving 7 days written notice. If the term is up to one year and no claim has been made, proportionate premium for the unexpired policy period is refunded; for terms over 1 year, premium for uncommenced policy years is refunded, but no refund is made where any claim has been admitted, lodged or any benefit availed.","display":"7 days written notice; proportionate refund for unexpired period for term up to one year if no claim; for term over 1 year, refund for uncommenced policy years; no refund if any claim admitted/lodged or benefit availed","note":null,"quote":"The policyholder may cancel this policy at any time during the term, by giving 7 days written notice in writing and in such an event, the Company shall ... refund proportionate premium for the unexpired policy period, if the term of policy upto one year and there is no claim(s) made during the policy period ... refund premium for the unexpired policy period, in respect of policies with term more than 1 year and risk coverage for such policy years has not commenced Notwithstanding anything contained herein or otherwise, no refunds of premium shall be made in respect of Cancellation where, any claim has been admitted or has been lodged or any benefit has been availed by the insured person under the policy.","sources":[{"clause":null,"heading":"7. Cancellation of cover","page":15,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-7-cancellation-of-cover"},{"clause":"30(a)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-30-a-2"},{"clause":"30(b)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-30-b-2"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"The insurer's liability is within India and in Indian Rupees only for medical services or procedures rendered in or undertaken within India.","display":"Within India, in Indian Rupees, for medical services or procedures rendered in or undertaken within India","note":null,"quote":"The Insurer’s liability to make any payment will be within India and in Indian Rupees only for medical services or procedures rendered in or undertaken within India.","sources":[{"clause":null,"heading":"21. Territorial Limits","page":17,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-21-territorial-limits"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":0},"display":"Not Applicable","note":"The Customer Information Sheet states that free look cancellation is not applicable.","quote":"Free Look Cancellation: Not Applicable","sources":[{"clause":null,"heading":"Classification: Internal","page":2,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4532#c-classification-internal-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":15},"display":"fifteen days where premium payment mode is monthly and thirty days in all other cases","note":"The renewal condition separately refers to a Grace period of 30 days and says coverage is not available during the grace period.","quote":"The grace period for payment of the premium for all types of insurance policies shall be: fifteen days where premium payment mode is monthly and thirty days in all other cases ... At the end of the policy period, the policy shall terminate and can be renewed within the Grace period of 30 days to maintain continuity of benefits without break in policy. Coverage is not available during the grace period.","sources":[{"clause":"2(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-2-b-6"},{"clause":null,"heading":"9. Portability","page":15,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-9-portability"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"The Primary Insured must be minimum 18 years at commencement. Entry age for the Primary Insured, Spouse and Parents is 18 years to 70 years; children between 03 months and 26 years can be covered.","display":"Primary Insured, Spouse and Parents: 18 years to 70 years; Children: 03 months to 26 years","note":null,"quote":"The Primary Insured should be minimum 18 years on the Commencement date of the policy. ... Entry age for the Primary Insured, Spouse and Parents is from 18 years to 70 years of age.\n• Children between the age of 03 months to 26 years can be covered under the policy.","sources":[{"clause":"1","heading":"PERSONS WHO CAN BE INSURED","page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-1"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"not-stated","value":null,"display":null,"note":"The documents mention different grace periods for monthly and other premium payment modes, but do not state the premium payment options offered.","quote":null,"sources":[],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. They change the answers above only if you buy them.","status":"quote-verified","value":["Pre-Hospitalisation Expenses","Post-Hospitalisation Expenses","Emergency Ambulance Expenses","Day Care Procedures / Treatment Expenses","AYUSH Coverage Expenses","Domiciliary Hospitalisation Expenses","Sum Insured Restoration for unrelated claims","Recharge Benefit for related claims","Hospital Daily Cash Benefit","Compassionate Travel","Repatriation of Mortal Remains","Maternity Benefit","Outpatient Benefit","No Proportionate Deduction","Medical Second Opinion","Co-Payment","Pre-existing Waiver with Co-Payment","Waiver of Initial Waiting Period of 30 days","Waiver of Specific Waiting Period for listed illness","Waiver of Pre-existing Disease/Condition without Co-Payment","Waiver of waiting period for Endorsement no.12 - Maternity cover","Waiver of Pre Medical Health Checkup"],"display":"Optional covers include Pre-Hospitalisation, Post-Hospitalisation, Emergency Ambulance, Day Care, AYUSH, Domiciliary Hospitalisation, Sum Insured Restoration, Recharge Benefit, Hospital Daily Cash, Compassionate Travel, Repatriation of Mortal Remains, Maternity Benefit, Outpatient Benefit, No Proportionate Deduction, Medical Second Opinion, Co-Payment and waiting-period/medical-checkup waivers.","note":null,"quote":"Notwithstanding anything to the contrary contained in the Policy, In consideration of payment of additional premium, the policy is extended to cover the optional benefits listed below upto the sum insured’s shown within the policy schedule/certificate.\nEndorsement no.1- Pre-Hospitalisation Expenses: ... Endorsement no.2- Post-Hospitalisation Expenses: ... Endorsement no.3- Emergency Ambulance Expenses: ... Endorsement no.4 - Day Care Procedures / Treatment Expenses: ... Endorsement no.5 –* AYUSH Coverage Expenses: ... Endorsement no.6 – Domiciliary Hospitalisation Expenses: ... Endorsement no.7 - Sum Insured Restoration for unrelated claims: ... Endorsement no.8- Recharge Benefit for related claims: ... Endorsement no.9- Hospital Daily Cash Benefit: ... Endorsement no.10- Compassionate Travel: ... Endorsement no. 11- Repatriation of Mortal Remains: ... Endorsement no. 12- Maternity Benefit: ... Endorsement no. 13- Outpatient Benefit: ... Endorsement no. 14- No Proportionate Deduction: ... Endorsement no. 15- Medical Second Opinion: ... Endorsement no. 16 - Co-Payment: ... Endorsement no. 17 - Pre-existing Waiver with Co-Payment: ... Endorsement no. 18 - Waiver of Initial Waiting Period of 30 days: ... Endorsement no. 19 – Waiver of Specific Waiting Period for listed illness: ... Endorsement no. 20 – Waiver of Pre-existing Disease/Condition without Co-Payment: ... Endorsement no. 21 – Waiver of waiting period for Endorsement no.12 - Maternity cover: ... Endorsement no. 22 – Waiver of Pre Medical Health Checkup:","sources":[{"clause":null,"heading":"5) OPTIONAL COVERS","page":29,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-5-optional-covers"},{"clause":"Row 18(c)","heading":null,"page":29,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-row-18-c"},{"clause":"Row 18(b)","heading":null,"page":30,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-row-18-b-2"},{"clause":"Row 18(b)","heading":null,"page":30,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-row-18-b-3"},{"clause":"Row 18(III)","heading":null,"page":31,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-row-18-iii"},{"clause":"Row 18(III)(g)","heading":null,"page":32,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-row-18-iii-g"},{"clause":"Row 18(III)(c)","heading":null,"page":35,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-row-18-iii-c-2"},{"clause":"Row 18(III)(c)","heading":null,"page":35,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-row-18-iii-c-3"},{"clause":null,"heading":"Service Provider","page":38,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-service-provider"}],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"quote-verified","value":"Coverage is not available during the grace period.","display":"Coverage is not available during the grace period","note":null,"quote":"Coverage is not available during the grace period.","sources":[{"clause":null,"heading":"9. Portability","page":15,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-9-portability"}],"law":[]},{"key":"room_rent","label":"Room rent limit","section":"Limits and co-pay","meaning":"Daily room limit, if any.","status":"not-stated","value":null,"display":null,"note":"The wording says room and boarding charges are covered up to the limits stated in the Policy Schedule/Certificate, but the documents provided do not state the actual daily room limit.","quote":null,"sources":[],"law":[]},{"key":"maternity","label":"Maternity cover","section":"Cover","meaning":"Childbirth cover and any waiting period.","status":"quote-verified","value":"Maternity expenses are excluded under the base policy. An optional Maternity Benefit can cover delivery, caesarean section or lawful medical termination while hospitalised, with a 9 months waiting period unless the maternity waiting-period waiver is bought.","display":"Excluded unless optional Maternity Benefit is bought; optional Maternity Benefit has a 9 months waiting period","note":"The optional benefit is limited to 2 deliveries or terminations or either one of each during the lifetime of the Insured, with maximum liability as stated in the Policy Schedule/Certificate.","quote":"Maternity Expenses: Code – Excl18 ... In consideration of payment of additional premium, it is hereby understood and agreed that the policy will pay for medical expenses for delivery (including caesarean section) or the lawful medical termination of pregnancy, (without threat to mother or child’s life) while hospitalized ... A waiting period of 9 months is applicable for any claim to be payable under this coverage ... On Consideration of payment of additional premium, it is hereby understood and agreed that the Waiting Period of 09 months applicable for Maternity cover vide endorsement no. 12, shall stand waived.","sources":[{"clause":"15","heading":"Maternity Expenses: Code – Excl18","page":12,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-15"},{"clause":"Row 18(III)(g)","heading":null,"page":32,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-row-18-iii-g"},{"clause":"Row 18(III)(c)","heading":null,"page":35,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-row-18-iii-c-2"},{"clause":null,"heading":"Service Provider","page":38,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-service-provider"}],"law":[]},{"key":"ped_cover_group","label":"Pre-existing diseases","section":"Waiting periods","meaning":"Whether pre-existing diseases are covered from day one for the group.","status":"quote-verified","value":"Pre-existing disease treatment and direct complications are excluded until 36 months of continuous coverage. Optional endorsements can waive the PED waiting period with co-payment or reduce it to 24/12/NIL Months as opted.","display":"No day-one PED cover by default; PED covered after 36 months unless an optional waiver/reduction is bought","note":null,"quote":"Expenses related to the treatment of a Pre-Existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months of continuous coverage after the date of inception of the first policy with insurer. ... On Consideration of payment of additional premium, it is hereby understood and agreed that the Waiting Period applicable for claims due to Pre-existing Disease/Condition shall be waived ... On Consideration of payment of additional premium, it is hereby understood and agreed that the Waiting Period of 36 months applicable for claims due to Pre-existing Disease/Condition as per waiting period 4.1.iii, shall be reduced to 24/12/NIL Months as opted and mentioned on the Policy Schedule / Certificate.","sources":[{"clause":"4.1(a)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-4-1-a"},{"clause":null,"heading":"Service Provider","page":38,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-service-provider"}],"law":[]},{"key":"cashless","label":"Cashless treatment","section":"Claims","meaning":"Whether and where the insurer pays the hospital directly instead of you paying and claiming back.","status":"quote-verified","value":"Cashless facility is available when pre-authorised at network hospitals and identified hospitals for common empanelment through anywhere cashless facility. Under it, treatment costs are paid directly to the network provider by the insurer to the extent pre-authorisation is approved.","display":"Available at network hospitals and identified hospitals through anywhere cashless facility, subject to pre-authorisation","note":null,"quote":"Cashless facility means a facility extended by the insurer to the insured where the payments, of the costs of treatment undergone by the insured in accordance with the policy terms and conditions, are directly made to the network provider by the insurer to the extent pre-authorization is approved. ... Procedure for Cashless claims: Obtain our pre-authorisation for any medical treatment in any of our network hospitals as well as identified list of hospitals by GIC for common empanelment through anywhere cashless facility.","sources":[{"clause":"2(d)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-2-d"},{"clause":"30(b)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-30-b-4"}],"law":[]},{"key":"claims_handled_by","label":"Claims handled by","section":"Claims","meaning":"The insurer itself or a third-party administrator (TPA).","status":"quote-verified","value":"Claims are handled by the insurer's In-House Claims team; there is no TPA tie-up envisaged for this product.","display":"In-House Claims team; no TPA tie-up envisaged","note":null,"quote":"any and all other information and documentation in respect of the claim and/or our liability for it sought by our In-House Claims team ... TPA: There is no TPA tie –up envisaged for this product. Any arrangement in future will be disclosed in the Policy to the Policy holders","sources":[{"clause":"30(c)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-30-c-2"}],"law":[]},{"key":"family_floater","label":"Family floater available","section":"Cover","meaning":"Whether one sum insured can be shared by the whole family.","status":"quote-verified","value":true,"display":"Yes, family coverage on floater Sum Insured basis","note":null,"quote":"This Insurance provides coverage on Individual Sum Insured basis and in case of family coverage on floater Sum Insured basis. ... On Family Floater basis, the Borrower/Co-Borrower can cover Self, Spouse and Children upto a maximum of 3. The Floater Sum insured will float over all the covered family members.","sources":[{"clause":"1","heading":"PERSONS WHO CAN BE INSURED","page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550#c-1"}],"law":[]}],"documents":[{"kind":"wording","label":"Flexi Plus CHOHLGP24033V022324-Policywording.pdf","pages":40,"fetched_at":"2026-10-17 19:31:44+00","source_url":"https://www.cholainsurance.com/documents/20121/o/Flexi%20Plus%20CHOHLGP24033V022324-Policywording.pdf/62c27169-a8b8-d323-d993-91f2cfd7773b","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4550"},{"kind":"wording","label":"Flexi Plus (IRDAI copy)","pages":36,"fetched_at":"2026-10-20 01:48:20+00","source_url":"https://irdai.gov.in/documents/37343/931203/CHOHLGP21132V012021_2020-2021.pdf/5ca8fb73-a476-04f4-1fab-0bc515f66daf?version=1.1&t=1668584299397&download=true","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/27355"},{"kind":"prospectus","label":"Flexi Plus- CHOHLGP24033V022324-Prospectus.pdf","pages":25,"fetched_at":"2026-10-17 19:32:14+00","source_url":"https://www.cholainsurance.com/documents/20121/o/Flexi%20Plus-%20CHOHLGP24033V022324-Prospectus.pdf/0aeb6c17-ee74-7ab2-d112-aaba95886c6d","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4564"},{"kind":"cis","label":"Flexi Plus CHOHLGP24033V022324-CIS.pdf","pages":2,"fetched_at":"2026-10-17 19:31:13+00","source_url":"https://www.cholainsurance.com/documents/20121/o/Flexi%20Plus%20CHOHLGP24033V022324-CIS.pdf/bcc9d315-d790-9f00-d877-8870229a87e5","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324/document/4532"}],"versions":[{"uin":"CHOHLGP21132V012021","version":null,"approved_on":null},{"uin":"CHOHLGP24033V022324","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Cholamandalam MS General Insurance official website","url":"https://www.cholainsurance.com","note":"Website as listed by IRDAI. Not checked: the site returned HTTP 502 to our crawler on 2026-10-19."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Flexi Plus (UIN CHOHLGP24033V022324), IndiaInsurances, https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-plus-chohlgp24033v022324"}