{"uin":"CHOHLIP23049V022223","name":"Chola Flexi Super TopUp Insurance","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-flexi-super-topup-insurance-chohlip23049v022223","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":"health-topup","category_name":"Top-up and super top-up","irdai_type":"New","kind":"product","status":"active","approved_on":"2020-12-15","withdrawn_on":null,"summary":"Chola Flexi Super Topup Insurance is an aggregate top-up health insurance policy available on individual sum insured or family floater basis in Silver and Gold plans. It pays medical expenses in excess of an annual aggregate deductible, with Gold covering 60 days pre-hospitalisation and 90 days post-hospitalisation expenses while Silver does not.","analysis":{"state":"machine","analysed_at":"2026-10-19 18:55:43.398607+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":"quote-verified","value":["SILVER","GOLD"],"display":"Silver and Gold","note":null,"quote":"PLANS | SILVER | GOLD","sources":[{"clause":null,"heading":"2 SCHEDULE OF BENEFITS","page":13,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-flexi-super-topup-insurance-chohlip23049v022223/document/4816#c-2-schedule-of-benefits"}],"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 can be availed for a term of 1 year, 2 years or 3 years.","display":"1 Year / 2 Years / 3 Years","note":null,"quote":"This policy can be availed for a policy term of 1 Year / 2 Years / 3 Years.","sources":[{"clause":"5","heading":"Policy Tenure","page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-flexi-super-topup-insurance-chohlip23049v022223/document/4781#c-5"}],"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 has to be obtained 72 hours before planned admission; for cashless emergency hospitalisation, within 48 hours of emergency admission. For reimbursement claims, planned hospitalisation must be intimated within 48 hours and emergency hospitalisation within 24 hours.","display":"Cashless planned: 72 hours before admission; cashless emergency: within 48 hours; reimbursement planned: within 48 hours; reimbursement emergency: within 24 hours","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 ... Reimbursement - 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":"6(d)","heading":null,"page":29,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-flexi-super-topup-insurance-chohlip23049v022223/document/4816#c-6-d-2"}],"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/ Insured.","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.","AML documents in case the claimed amount is above 1 lac","Bank details along with the cancelled cheque for claim payment through NEFT"],"display":"Claim form, discharge summary, hospital bill, payment receipt, investigation reports, pharmacy bills with prescriptions, implant stickers/invoice, FIR/MLC for road traffic accident, AML documents above 1 lac, bank details and cancelled cheque","note":null,"quote":"a) Claim Form duly filled and signed by patient/ Insured. ... b) 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 ... c) Original Main bill from the hospital with cost wise break up. ... d) Original payment receipt (Receipt should have Serial No) ... e) Original investigation reports (such as X Ray, Lab Reports, Scan reports\netc) – These are required for supporting the ailment, hence all reports taken prior / at the time or after the hospitalization are required. ... f) 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. ... g) Implant stickers or invoice where ever applicable ... h) In case of Road traffic accident (RTA), copy of FIR and/or Medico legal Certificate (MLC) would be required. ... i) AML documents in case the claimed amount is above 1 lac ... j) Bank details along with the cancelled cheque for claim payment through NEFT","sources":[{"clause":"6(a)","heading":null,"page":30,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-flexi-super-topup-insurance-chohlip23049v022223/document/4816#c-6-a-5"},{"clause":"6(b)","heading":null,"page":30,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-flexi-super-topup-insurance-chohlip23049v022223/document/4816#c-6-b-5"},{"clause":"6(c)","heading":null,"page":30,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-flexi-super-topup-insurance-chohlip23049v022223/document/4816#c-6-c-3"},{"clause":"6(d)","heading":null,"page":30,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-flexi-super-topup-insurance-chohlip23049v022223/document/4816#c-6-d-3"},{"clause":"6(e)","heading":null,"page":30,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-flexi-super-topup-insurance-chohlip23049v022223/document/4816#c-6-e"},{"clause":"6(f)","heading":null,"page":30,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-flexi-super-topup-insurance-chohlip23049v022223/document/4816#c-6-f"},{"clause":"6(g)","heading":null,"page":30,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-flexi-super-topup-insurance-chohlip23049v022223/document/4816#c-6-g"},{"clause":"6(h)","heading":null,"page":30,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-flexi-super-topup-insurance-chohlip23049v022223/document/4816#c-6-h"},{"clause":"6(i)","heading":null,"page":31,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-flexi-super-topup-insurance-chohlip23049v022223/document/4816#c-6-i-2"},{"clause":"6(j)","heading":null,"page":31,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-flexi-super-topup-insurance-chohlip23049v022223/document/4816#c-6-j"}],"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. If payment is delayed, interest is payable from receipt of the last necessary document to payment at 2% above the bank rate.","display":"Within 15 days from receipt of last necessary document; delay interest at 2% above bank rate","note":null,"quote":"i. 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.\nii. 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":"6(d)(iv)","heading":null,"page":25,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-flexi-super-topup-insurance-chohlip23049v022223/document/4816#c-6-d-iv"}],"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 any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident","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 a Pre-Existing Disease(PED) and its direct complications shall be excluded until the expiry of 36 months","The Company will not be liable for claims/claim amount falling within deductible limit","Expenses related to any admission primarily for diagnostics and evaluation purposes only are excluded","Expenses related to any admission primarily for enforced bed rest and not for receiving treatment","Expenses related to the surgical treatment of obesity that does not fulfil all the below conditions","Expenses related to any treatment, including surgical management, to change characteristics of the body to those of the opposite sex.","Expenses for cosmetic or plastic surgery or any treatment to change appearance","Expenses related to any treatment, necessitated due to participation as a professional in hazardous or adventure sports","Expenses for treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law with criminal intent and intentional self-injury or attempted suicide","Treatment for, alcoholism, drug or substance abuse or any addictive condition and consequences thereof.","Any treatments or Investigation taken outside India."],"display":"Initial waiting period, specific disease waiting period, PED waiting period, deductible, diagnostics/evaluation, rest cure, obesity surgery outside conditions, change of gender, cosmetic surgery, professional hazardous sports, breach of law/self-injury, substance abuse, treatment outside India","note":null,"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 ... Expenses related to the treatment of the listed Conditions, surgeries / treatments shall be excluded until the expiry of first 12 months of continuous coverage ... Expenses related to the treatment of a Pre-Existing Disease(PED) and its direct complications shall be excluded until the expiry of 36 months ... The Company will not be liable for claims/claim amount falling within deductible limit as opted and mentioned on the Policy Schedule. ... Expenses related to any admission primarily for diagnostics and evaluation purposes only are excluded ... Expenses related to any admission primarily for enforced bed rest and not for receiving treatment. ... obesity that does not fulfil all the below conditions: ... Expenses related to any treatment, including surgical management, to change characteristics of the body to those of the opposite sex. ... Expenses for cosmetic or plastic surgery ... Expenses related to any treatment, necessitated due to participation as a professional in hazardous or adventure sports ... consequent upon any Insured Person committing or attempting to commit a breach of law with criminal intent and intentional self-injury or attempted suicide whether sane or insane. ... Treatment for, alcoholism, drug or substance abuse or any addictive condition and consequences thereof. ... Any treatments or Investigation taken outside India.","sources":[{"clause":"4.1","heading":"30-day waiting period","page":18,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-flexi-super-topup-insurance-chohlip23049v022223/document/4816#c-4-1"},{"clause":"4.2","heading":"Specified disease / procedure waiting period – Code – Excl02","page":18,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-flexi-super-topup-insurance-chohlip23049v022223/document/4816#c-4-2"},{"clause":"4.3","heading":"Pre-Existing Diseases – Code – Excl01","page":19,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-flexi-super-topup-insurance-chohlip23049v022223/document/4816#c-4-3"},{"clause":"5.1","heading":"Deductible","page":20,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-flexi-super-topup-insurance-chohlip23049v022223/document/4816#c-5-1"},{"clause":"5.2.1","heading":"Investigation & Evaluation – Code – Excl04","page":20,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-flexi-super-topup-insurance-chohlip23049v022223/document/4816#c-5-2-1"},{"clause":"5.2.2","heading":"Rest Cure, rehabilitation and respite care – code – Excl05","page":20,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-flexi-super-topup-insurance-chohlip23049v022223/document/4816#c-5-2-2"},{"clause":"5.2.3","heading":"Obesity / Weight Control: Code–Excl 06: Expenses related to the surgical treatment of","page":20,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-flexi-super-topup-insurance-chohlip23049v022223/document/4816#c-5-2-3"},{"clause":"5.2.4","heading":"Change-of-gender Treatments","page":20,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-flexi-super-topup-insurance-chohlip23049v022223/document/4816#c-5-2-4"},{"clause":"5.2.5","heading":"Cosmetic or plastic Surgery: Code –Excl-08: Expenses for cosmetic or plastic surgery","page":21,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-flexi-super-topup-insurance-chohlip23049v022223/document/4816#c-5-2-5"},{"clause":"5.2.6","heading":"Hazardous or Adventure Sports","page":21,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-flexi-super-topup-insurance-chohlip23049v022223/document/4816#c-5-2-6"},{"clause":"5.2.7","heading":"Breach of Law: Code–Excl 10: Expenses for treatment directly arising from or","page":21,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-flexi-super-topup-insurance-chohlip23049v022223/document/4816#c-5-2-7"},{"clause":"5.2.9","heading":"Treatment for, alcoholism, drug or substance abuse or any addictive condition and","page":21,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-flexi-super-topup-insurance-chohlip23049v022223/document/4816#c-5-2-9"},{"clause":"5.2.24","heading":null,"page":22,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-flexi-super-topup-insurance-chohlip23049v022223/document/4816#c-5-2-24"}],"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":"First write to customercare@cholams.murugappa.com to register the complaint. If dissatisfied or there is a delay of greater than 7 working days, escalate to the Nodal Officer and then to the Chief Grievance Officer before approaching the Insurance Ombudsman.","display":"Customer care, then Nodal Officer, then Chief Grievance Officer, then Insurance Ombudsman","note":null,"quote":"• 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 ... • If after having followed the above steps and your issue still remain unresolved, you may approach the Insurance Ombudsman for Redressal.","sources":[{"clause":null,"heading":"Procedure of Grievance Redressal","page":33,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-flexi-super-topup-insurance-chohlip23049v022223/document/4816#c-procedure-of-grievance-redressal"},{"clause":null,"heading":"Escalation Matrix","page":33,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-flexi-super-topup-insurance-chohlip23049v022223/document/4816#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":"conflicting","value":"Under the policy wording, sum insured options start at Rs.5 lacs, include Rs.7.5 lacs, Rs.10 lacs, Rs.15 lacs, Rs.20 lacs, Rs.25 lacs to Rs.45 lacs in Rs.5 lacs multiples, Rs.50 lacs, Rs.75 lacs, Rs.90 lacs, Rs.92.5 lacs, Rs.95 lacs, and Rs.1 crore to Rs.5 crores in Rs.50 lacs multiples.","display":"Rs.5 lacs to Rs.5 crores, with listed intermediate options","note":"Prospectus additionally says: \"3 | 1/2/3\" and \"5 | 2/3/4/5/10\".","quote":"Sum Insured (SI) Options (in lacs) | Deductible Options (in lacs)\n5 | 5/10\n7.5 | 5/7.5\n10 | 5/7.5/10\n15 | 5/10\n20 | 5/10/15\nFrom Rs.25 Lacs to Rs.45 Lacs in multiples of Rs.5 Lacs | Rs.5 Lacs to Rs.20 lacs in multiples of Rs.5 Lacs\n50 | 5/10/15/20/25\n75 | Rs.10 Lacs to Rs.50 lacs in multiples of Rs.5 Lacs ... 90 | 10\n92.5 | 7.5 ... 95 | 5\nFrom Rs.1 Crore to Rs.5 Crores in multiples of Rs.50 Lacs | Rs.15 Lacs to Rs.1 Crore in multiples of Rs.5 Lacs","sources":[{"clause":null,"heading":"SUM INSURED OPTIONS AVAILABLE UNDER BOTH PLANS OF THE POLICY","page":14,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-flexi-super-topup-insurance-chohlip23049v022223/document/4816#c-sum-insured-options-available-under-both-plans-o"},{"clause":null,"heading":"ELIGIBILITY","page":2,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-flexi-super-topup-insurance-chohlip23049v022223/document/4781#c-eligibility"}],"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":null,"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","sources":[{"clause":"4.1","heading":"30-day waiting period","page":18,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-flexi-super-topup-insurance-chohlip23049v022223/document/4816#c-4-1"}],"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":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.","sources":[{"clause":"4.3","heading":"Pre-Existing Diseases – Code – Excl01","page":19,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-flexi-super-topup-insurance-chohlip23049v022223/document/4816#c-4-3"}],"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":null,"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.","sources":[{"clause":"4.2","heading":"Specified disease / procedure waiting period – Code – Excl02","page":18,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-flexi-super-topup-insurance-chohlip23049v022223/document/4816#c-4-2"}],"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","Varicose veins and Varicose Ulcers","Knee Replacement Surgery (other than caused by an Accident), Arthritis, Gout, Rheumatism, Osteoarthritis and Osteoporosis","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 / Polpys / Tumours / Breast Lumps","Prolapse of Inter-vertebral discs (other than caused by Accident), all Vertebrae Disorders, including but not limited to Spondylitis, Spondylitis, Spondylolisthesis etc.","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; knee replacement/arthritis/gout/rheumatism/osteoarthritis/osteoporosis; ear/tonsil/adenoid/paranasal sinus/DNS diseases; urinary and biliary stones; gastric or duodenal ulcer; benign cysts/nodules/polyps/tumours/breast lumps; inter-vertebral disc and vertebrae disorders; cataract; BPH; myomectomy/hysterectomy; D&C; anal fistula/fissure/piles; hernia; hydrocele; chronic renal failure; joint replacement","note":null,"quote":"a) Congenital Internal Anomaly\nb) Varicose veins and Varicose Ulcers\nc) Knee Replacement Surgery (other than caused by an Accident), Arthritis, Gout, Rheumatism, Osteoarthritis and Osteoporosis\nd) Treatment of diseases on ears / tonsils / adenoids / paranasal sinuses / Deviated Nasal Septum\ne) Stones in the Urinary and Biliary systems\nf) Gastric or Duodenal Ulcer\ng) Any type of benign Cyst / Nodules / Polpys / Tumours / Breast Lumps\nh) Prolapse of Inter-vertebral discs (other than caused by Accident), all Vertebrae Disorders, including but not limited to Spondylitis, Spondylitis, Spondylolisthesis etc.\ni) Cataract\nj) Benign Prostatic Hypertrophy\nk) Myomectomy, Hysterectomy unless because of malignancy\nl) Dilatation and curettage (D&C)\nm) Anal Fistula, Fissure and Piles\nn) All types of Hernia\no) Hydrocele\np) Chronic Renal Failure\nq) Joint replacement Surgery unless because of accident","sources":[{"clause":"4.2","heading":"Specified disease / procedure waiting period – Code – Excl02","page":18,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-flexi-super-topup-insurance-chohlip23049v022223/document/4816#c-4-2"}],"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":null,"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":"4 Moratorium Period","page":23,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-flexi-super-topup-insurance-chohlip23049v022223/document/4816#c-4-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 can port the policy to another insurer by applying at least 45 days before, but not earlier than 60 days from, the renewal date; accrued continuity benefits are carried if continuously covered without lapses.","display":"Allowed; apply 45 to 60 days before renewal, with accrued continuity benefits","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. If such person is presently covered and has been continuously covered without any lapses under any Health insurance policy with an Indian General/Health insurer, the proposed insured person will get the accrued continuity benefits","sources":[{"clause":null,"heading":"Withdrawal of the Product","page":26,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-flexi-super-topup-insurance-chohlip23049v022223/document/4816#c-withdrawal-of-the-product"}],"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":true,"display":"Yes, lifelong","note":null,"quote":"This policy can be renewed lifelong subject to payment of renewal premium and Policy Terms and conditions.","sources":[{"clause":"4","heading":"Coverage Types","page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-flexi-super-topup-insurance-chohlip23049v022223/document/4781#c-4"}],"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":"v) No loading shall apply on renewals based on individual claims experience.","sources":[{"clause":"6(d)(v)","heading":null,"page":25,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-flexi-super-topup-insurance-chohlip23049v022223/document/4816#c-6-d-v"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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 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 period is refunded; for terms over 1 year, premium is refunded for unexpired policy years whose risk coverage has not commenced, but no refund is made if any claim has been admitted or lodged or any benefit availed.","display":"Proportionate unexpired premium, subject to 7 days written notice and no claim; no refund if a claim is 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":"Withdrawal of the Product","page":26,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-flexi-super-topup-insurance-chohlip23049v022223/document/4816#c-withdrawal-of-the-product"},{"clause":"6(a)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-flexi-super-topup-insurance-chohlip23049v022223/document/4816#c-6-a-2"},{"clause":"6(b)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-flexi-super-topup-insurance-chohlip23049v022223/document/4816#c-6-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 for medical services or procedures rendered in or undertaken within India, with payment within India and in Indian Rupees only.","display":"India only","note":null,"quote":"The Insurer’s liability to make any payment towards illness or accidental injury shall be to make payment within India and in Indian Rupees only for medical services or procedures rendered in or undertaken within India.","sources":[{"clause":null,"heading":"Transfer","page":28,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-flexi-super-topup-insurance-chohlip23049v022223/document/4816#c-transfer"}],"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":30},"display":"30 days","note":"Not applicable on renewals or at the time of porting/migrating the policy.","quote":"Every policyholder of new individual health insurance policies, except for those policies with tenure of less than a year, shall be provided a free look period of 30 days beginning from the date of receipt of policy document","sources":[{"clause":null,"heading":"Disclosure to information norm","page":23,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-flexi-super-topup-insurance-chohlip23049v022223/document/4816#c-disclosure-to-information-norm"}],"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":30},"display":"30 days","note":"Definition says fifteen days where premium payment mode is monthly and thirty days in all other cases; renewal condition states 30 days.","quote":"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. ... 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.","sources":[{"clause":"6(d)(iv)","heading":null,"page":25,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-flexi-super-topup-insurance-chohlip23049v022223/document/4816#c-6-d-iv"},{"clause":"1(b)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-flexi-super-topup-insurance-chohlip23049v022223/document/4816#c-1-b-6"}],"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":"Minimum entry age is 3 months for children and 18 years for adults; maximum entry age is 26 years for children and 70 years for adults.","display":"Children: 3 months to 26 years; adults: 18 years to 70 years","note":null,"quote":"Minimum | Children-3 months, Adults- 18 Years\nMaximum | Children-26 Years , Adults- 70 years","sources":[{"clause":null,"heading":"ELIGIBILITY","page":2,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-flexi-super-topup-insurance-chohlip23049v022223/document/4781#c-eligibility"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["Premium for multiyear policies will be collected upfront."],"display":"Upfront for multiyear policies","note":null,"quote":"Premium for multiyear policies will be collected upfront.","sources":[{"clause":"9","heading":"Premium Payment","page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-flexi-super-topup-insurance-chohlip23049v022223/document/4781#c-9"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"6(d)(iv)","heading":null,"page":25,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-flexi-super-topup-insurance-chohlip23049v022223/document/4816#c-6-d-iv"}],"law":[]},{"key":"deductible","label":"Deductible","section":"Limits and co-pay","meaning":"The amount (per claim or per year) that must be crossed before this policy pays. Your base policy or you pay this part.","status":"conflicting","value":"Under the policy wording, deductible options range from Rs.5 lacs to Rs.1 crore depending on the chosen sum insured; it applies over the aggregate of all admissible claims per annum.","display":"Rs.5 lacs to Rs.1 crore, depending on sum insured; annual aggregate deductible","note":"Prospectus additionally lists lower deductible options, including \"3 | 1/2/3\" and \"5 | 2/3/4/5/10\".","quote":"Sum Insured (SI) Options (in lacs) | Deductible Options (in lacs)\n5 | 5/10\n7.5 | 5/7.5\n10 | 5/7.5/10\n15 | 5/10\n20 | 5/10/15\nFrom Rs.25 Lacs to Rs.45 Lacs in multiples of Rs.5 Lacs | Rs.5 Lacs to Rs.20 lacs in multiples of Rs.5 Lacs\n50 | 5/10/15/20/25\n75 | Rs.10 Lacs to Rs.50 lacs in multiples of Rs.5 Lacs ... From Rs.1 Crore to Rs.5 Crores in multiples of Rs.50 Lacs | Rs.15 Lacs to Rs.1 Crore in multiples of Rs.5 Lacs ... Deductible opted as per the Policy Schedule will apply over aggregate of all admissible claims under the policy per annum by insured (Individual cover) or insured family (in case of Family Floater cover).","sources":[{"clause":null,"heading":"SUM INSURED OPTIONS AVAILABLE UNDER BOTH PLANS OF THE POLICY","page":14,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-flexi-super-topup-insurance-chohlip23049v022223/document/4816#c-sum-insured-options-available-under-both-plans-o"},{"clause":null,"heading":"Deductible","page":27,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-flexi-super-topup-insurance-chohlip23049v022223/document/4816#c-deductible"},{"clause":null,"heading":"ELIGIBILITY","page":2,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-flexi-super-topup-insurance-chohlip23049v022223/document/4781#c-eligibility"}],"law":[]},{"key":"deductible_basis","label":"Per claim or aggregate","section":"Limits and co-pay","meaning":"Top-up: deductible applies to each claim. Super top-up: to the total of all claims in the year.","status":"quote-verified","value":"aggregate","display":"Aggregate of all admissible claims per annum","note":null,"quote":"Deductible will apply over aggregate of all admissible claims under the policy per annum by insured (individual policy) or insured family (in case of floater policy).","sources":[{"clause":"1(b)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-flexi-super-topup-insurance-chohlip23049v022223/document/4816#c-1-b-4"}],"law":[]},{"key":"room_rent","label":"Room rent limit","section":"Limits and co-pay","meaning":"Daily room limit, if any.","status":"quote-verified","value":"No room-rent sub-limit is stated; room, boarding and ICU charges are covered as provided by the hospital or nursing home, subject to deductible, policy terms, conditions and exclusions.","display":"No sub-limit stated","note":null,"quote":"No Sub-limits or Co-payments ... a) Room, Boarding ,ICU charges as provided by the Hospital / Nursing Home","sources":[{"clause":null,"heading":"REACH US THROUGH WHATSAPP","page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-flexi-super-topup-insurance-chohlip23049v022223/document/4816#c-reach-us-through-whatsapp"},{"clause":"3.1.1","heading":"Inpatient Hospitalisation Expenses","page":16,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-flexi-super-topup-insurance-chohlip23049v022223/document/4816#c-3-1-1"}],"law":[]},{"key":"copay","label":"Co-payment","section":"Limits and co-pay","meaning":"Share of each admissible claim you pay.","status":"quote-verified","value":"The document states there are no co-payments.","display":"No co-payments","note":null,"quote":"No Sub-limits or Co-payments","sources":[{"clause":null,"heading":"REACH US THROUGH WHATSAPP","page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-flexi-super-topup-insurance-chohlip23049v022223/document/4816#c-reach-us-through-whatsapp"}],"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 treatment is available in network hospitals and identified hospitals by GIC for common empanelment through anywhere cashless facility, subject to pre-authorisation.","display":"Available in network hospitals and identified GIC common empanelment hospitals, with pre-authorisation","note":null,"quote":"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. Insured can view or download the updated Hospital Network from the Company’s website www.cholainsurance.com as well as Chola MS mobile application.","sources":[{"clause":"6(d)","heading":null,"page":29,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-flexi-super-topup-insurance-chohlip23049v022223/document/4816#c-6-d-2"}],"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 Chola MS's in-house claims administration team; there is no TPA tie-up envisaged for this product.","display":"In-house by Chola MS; no TPA tie-up envisaged","note":null,"quote":"Claims Team means the Claims administration team within Chola MS General Insurance Company Limited. ... There is no TPA tie –up envisaged for this product.","sources":[{"clause":"1(c)(iv)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-flexi-super-topup-insurance-chohlip23049v022223/document/4816#c-1-c-iv"},{"clause":null,"heading":"Cholamandalam MS General Insurance Company Limited Chola MS HELP – Health Claims Department","page":31,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-flexi-super-topup-insurance-chohlip23049v022223/document/4816#c-cholamandalam-ms-general-insurance-company-limit-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 floater cover available","note":null,"quote":"This policy covers on Individual Sum Insured basis and in case of family coverage on floater Sum Insured basis.","sources":[{"clause":null,"heading":"POLICY WORDINGS","page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-flexi-super-topup-insurance-chohlip23049v022223/document/4816#c-policy-wordings-2"}],"law":[]}],"documents":[{"kind":"wording","label":"PW - Chola Flexi Super Topup Insurance.pdf","pages":52,"fetched_at":"2026-10-17 19:38:03+00","source_url":"https://www.cholainsurance.com/documents/20121/o/PW%20-%20Chola%20Flexi%20Super%20Topup%20Insurance.pdf/9c8531ad-1f34-0acc-6e29-ced94ae8680f","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-flexi-super-topup-insurance-chohlip23049v022223/document/4816"},{"kind":"wording","label":"Chola Flexi Super TopUp Insurance (IRDAI copy)","pages":55,"fetched_at":"2026-10-20 01:49:03+00","source_url":"https://irdai.gov.in/documents/37343/931203/CHOHLIP21561V012021_2020-2021.pdf/cace22d1-c5c7-fc4c-3f58-6d80a024512d?version=1.1&t=1668584072276&download=true","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-flexi-super-topup-insurance-chohlip23049v022223/document/27387"},{"kind":"prospectus","label":"Prospectus-Chola Flexi Super Topup Insurance.pdf","pages":183,"fetched_at":"2026-10-17 19:36:55+00","source_url":"https://www.cholainsurance.com/documents/20121/o/Prospectus-Chola%20Flexi%20Super%20Topup%20Insurance.pdf/025050d9-237a-a93c-aad0-00396b56c104","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-flexi-super-topup-insurance-chohlip23049v022223/document/4781"}],"versions":[{"uin":"CHOHLIP21561V012021","version":null,"approved_on":null},{"uin":"CHOHLIP23049V022223","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":"Chola Flexi Super TopUp Insurance (UIN CHOHLIP23049V022223), IndiaInsurances, https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-flexi-super-topup-insurance-chohlip23049v022223"}