{"uin":"CHOHLIP24145V062526","name":"Flexi Health","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526","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-indemnity","category_name":"Health insurance (hospitalisation)","irdai_type":"Revision","kind":"product","status":"active","approved_on":"2020-09-18","withdrawn_on":null,"summary":"Flexi Health is an indemnity health insurance policy with individual and family floater cover and sum insured options from Rs. 50,000 to Rs. 25 lakhs for policy terms of 1, 2 or 3 years. It has a 30-day initial waiting period, 36-month pre-existing disease waiting period, 24-month specified disease waiting period, restoration for unrelated claims for sum insured Rs.3 lakhs and above, and optional Medical Second Opinion, Flexi OP Care and Home Care Treatment add-ons.","analysis":{"state":"machine","analysed_at":"2026-10-19 18:56:28.174795+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 Cover and Family Floater Cover as coverage options, but do not name plan variants within the product.","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":"1/2/3 years","display":"1/2/3 years","note":null,"quote":"Policy term 1/2/3 years","sources":[{"clause":null,"heading":"Individual Cover","page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-individual-cover"}],"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 claims, pre-authorisation must be obtained 72 hours before planned admission and within 48 hours of emergency admission. For reimbursement claims, intimation must be given within 48 hours for planned hospitalisation and within 24 hours of emergency hospitalisation.","display":"Cashless: 72 hours before planned admission; within 48 hours of emergency admission. Reimbursement: within 48 hours for planned hospitalisation; 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":"31(b)","heading":null,"page":38,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-31-b-6"}],"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":["duly filled & signed claim form","KYC of the Insured and KYC of the nominee / legal heir in case of death claim","Account details with proof for NEFT","Proof of identity and residence of the beneficiary for claims exceeding Rs 1 Lakh","Original Discharge summary","Original Main bill from the hospital with cost wise break up","Original payment receipt","Original investigation reports","pharmacy bills with relevant prescriptions","Implant stickers or invoice where ever applicable","copy of FIR and/or Medico legal Certificate (MLC) for Road traffic accident","Original ticket issued by common carrier for Compassionate Travel"],"display":"Claim form, KYC, NEFT proof, ID/residence proof over Rs 1 Lakh, discharge summary, hospital bill, receipt, investigation reports, pharmacy bills with prescriptions, implant invoice/stickers, FIR/MLC for RTA, and travel ticket for Compassionate Travel.","note":null,"quote":"Following documents are to be submitted for processing of the claim along with the duly filled & signed claim form by the insured / nominee in addition to the documents listed in the table:\n- KYC of the Insured and KYC of the nominee / legal heir in case of death claim under the policy.\n- Account details with proof for NEFT of the Insured and of nominee / legal heir in case of death claim under the policy i.e. cancelled cheque, passbook copy has to be submitted with the below listed claim documents.\n- Proof of identity and residence of the beneficiary for claims exceeding Rs 1 Lakh. ... In-Patient Hospitalization Expenses /AYUSH /Day care Procedure/Home Care Treatment | - 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.\nCompassionate Travel | • Documents as stated above and • Original ticket issued by common carrier for travelling from the place of residence to the place where the insured is hospitalised.","sources":[{"clause":"31(d)","heading":null,"page":39,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-31-d-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 the date of 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":"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":"31(d)(iv)","heading":null,"page":33,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-31-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":["Pre-Existing Diseases-Code-Excl01","Specified disease/procedure waiting period-Code-Excl02","30-day waiting period-Code-Excl03","Investigation & Evaluation-Code-Excl04","Rest Cure, rehabilitation and respite care-code-Excl05","Obesity/Weight Control: Code-Excl06","Change-of-Gender treatments","Cosmetic or plastic Surgery","Hazardous or Adventure sports","Breach of law","Excluded Providers","Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof","Unproven Treatments","Sterility and Infertility","Maternity"],"display":"Main exclusions include PED, specified disease and 30-day waiting periods, investigation/evaluation, rest cure, obesity surgery not meeting conditions, gender change, cosmetic surgery, hazardous sports, breach of law, excluded providers, substance abuse, unproven treatments, infertility and maternity.","note":null,"quote":"Pre-Existing Diseases-Code-Excl01: ... Specified disease/procedure waiting period-Code-Excl02: ... 30-day waiting period-Code-Excl03 ... Excl04 Investigation & Evaluation-Code-Excl04 ... Excl05 Rest Cure, rehabilitation and respite care-code-Excl05 ... Excl06 Obesity/Weight Control: Code-Excl06 ... Change-of-Gender treatments: Expenses related to any treatment, including surgical management, to change characteristics of the body to those of the opposite sex. ... Cosmetic or plastic Surgery: Expenses for cosmetic or plastic surgery or any treatment to change appearance ... Hazardous or Adventure sports: Expenses related to any treatment, necessitated due to participation as a professional in hazardous or adventure sports ... Breach of law: Expenses for treatment directly arising from or consequent upon any\nInsured Person committing or attempting to commit a breach of law with criminal intent. ... Excluded Providers: Code-Excl11 ... Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. Excl12 ... Unproven Treatments: Expenses related to any unproven treatment, services and\nsupplies for or in connection with any treatment. ... Sterility and Infertility: Code-Excl17 ... Maternity: Code-Excl18","sources":[{"clause":null,"heading":"5. WAITING PERIODS","page":27,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-5-waiting-periods"},{"clause":"Excl04","heading":"Investigation & Evaluation-Code-Excl04","page":28,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-excl04"},{"clause":"Excl05","heading":"Rest Cure, rehabilitation and respite care-code-Excl05","page":28,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-excl05"},{"clause":"Excl06","heading":"Obesity/Weight Control: Code-Excl06: Expenses related to the surgical treatment of","page":28,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-excl06"},{"clause":"Excl07","heading":null,"page":29,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-excl07"},{"clause":"7","heading":"Breach of law: Expenses for treatment directly arising from or consequent upon any","page":29,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-7"},{"clause":"8","heading":"Excluded Providers: Code-Excl11: Expenses incurred towards treatment in any hospital","page":29,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-8"},{"clause":"9","heading":"Treatment for Alcoholism, drug or substance abuse or any addictive condition and","page":29,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-9"},{"clause":"13","heading":"Unproven Treatments: Expenses related to any unproven treatment, services and","page":29,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-13"},{"clause":"14","heading":"Sterility and Infertility","page":29,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-14"},{"clause":"15","heading":"Maternity: Code-Excl18","page":30,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-15"}],"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 contact the company through its website, toll free number, email or courier to Manager, Customer Care. The policy says to write to customercare@cholams.murugappa.com, then escalate to the Nodal Officer and Chief Grievance Officer before approaching the Insurance Ombudsman.","display":"Write to customercare@cholams.murugappa.com; then Nodal Officer; then Chief Grievance Officer.","note":null,"quote":"In case of any grievance the insured person may contact the company through\nWebsite | : www.cholainsurance.com\nToll free | : 1800 208 9100\nE-Mail | : customercare@cholams.murugappa.com\nCourier | : Manager , Customer Care, ... 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":"8. GRIEVANCES REDRESSAL MECHANISM Mechanism for Grievance Redressal:-","page":42,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-8-grievances-redressal-mechanism-mechanism-for-g"},{"clause":null,"heading":"Procedure of Grievance Redressal","page":42,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-procedure-of-grievance-redressal"},{"clause":null,"heading":"Escalation Matrix","page":43,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#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":"quote-verified","value":"Rs. 50,000/-, 1/2/3/5/7.5/10/15/20/25 Lakhs","display":"Rs. 50,000; Rs. 1, 2, 3, 5, 7.5, 10, 15, 20 and 25 Lakhs","note":null,"quote":"Sum Insured (SI) Options | Rs. 50,000/-, 1/2/3/5/7.5/10/15/20/25 Lakhs","sources":[{"clause":"3","heading":"SCHEDULE OF BENEFITS","page":16,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-3"}],"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":"Does not apply to covered accident claims; does not apply if the insured has continuous coverage for more than twelve months.","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.","sources":[{"clause":null,"heading":"5. WAITING PERIODS","page":27,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-5-waiting-periods"}],"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":"For enhanced sum insured, the exclusion applies afresh to the increase; portability credit can reduce the waiting period.","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":null,"heading":"5. WAITING PERIODS","page":27,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-5-waiting-periods"}],"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":24},"display":"24 months","note":"If a listed disease/procedure also falls under the PED waiting period, the longer waiting period applies.","quote":"Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of first 24 months of continuous coverage after the date of inception of the first policy with us. This exclusion shall not be applicable for claims arising due to an accident.","sources":[{"clause":null,"heading":"5. WAITING PERIODS","page":27,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-5-waiting-periods"}],"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 (except for coverage under 4.1.9 New born baby cover)","Treatment of diseases on ears/tonsils/adenoids/paranasal sinuses/Deviated Nasal Septum","Cataract","Benign Prostatic Hypertrophy","Myomectomy, Hysterectomy unless because of malignancy","All types of Hernia","Hydrocele","Varicose Veins and Varicose Ulcers","Rheumatism and arthritis of any kind","Stones in the Urinary and Biliary Systems","Any type of benign Cyst/Nodules/Polyps/Tumours/Breast Lumps unless malignant","Intervertebral Disc Prolapse, and Degenerative Disc/vertebral Disorders","Dilatation and curettage (D&C)","Joint replacement Surgery unless because of accident","ENT disorders & Surgery","Spondylosis/Spondylitis and other Degenerative Disc Disorders","Ligament, Tendon and Meniscal tear","Genetic Disorders"],"display":"Congenital internal anomaly, ENT/tonsils/adenoids/sinuses/DNS, cataract, BPH, myomectomy/hysterectomy, hernia, hydrocele, varicose veins/ulcers, rheumatism/arthritis, urinary/biliary stones, benign cysts/nodules/polyps/tumours/breast lumps, disc disorders, D&C, joint replacement, ENT surgery, spondylosis/spondylitis, ligament/tendon/meniscal tear and genetic disorders.","note":null,"quote":"List of specific diseases/procedures are as below\na) Congenital Internal Anomaly (except for coverage under 4.1.9 New born baby cover)\nb) Treatment of diseases on ears/tonsils/adenoids/paranasal sinuses/Deviated Nasal Septum\nc) Cataract\nd) Benign Prostatic Hypertrophy\ne) Myomectomy, Hysterectomy unless because of malignancy\nf) All types of Hernia\ng) Hydrocele\nh) Varicose Veins and Varicose Ulcers\ni) Rheumatism and arthritis of any kind\nj) Stones in the Urinary and Biliary Systems\nk) Any type of benign Cyst/Nodules/Polyps/Tumours/Breast Lumps unless malignant\nl) Intervertebral Disc Prolapse, and Degenerative Disc/vertebral Disorders\nm) Dilatation and curettage (D&C)\nn) Joint replacement Surgery unless because of accident\no) ENT disorders & Surgery\np) Spondylosis/Spondylitis and other Degenerative Disc Disorders\nq) Ligament, Tendon and Meniscal tear\nr) Genetic Disorders","sources":[{"clause":null,"heading":"5. WAITING PERIODS","page":27,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-5-waiting-periods"}],"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":"For enhanced sums insured, sixty continuous months applies from the date of enhancement only on the enhanced limits.","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":31,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#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 entire policy with all family members to another insurer by applying at least 45 days before, but not earlier than 60 days from, the policy renewal date. If continuously covered without lapses under an Indian general or health insurer, accrued continuity benefits are carried to the extent of sum insured, cumulative bonus, specific waiting periods, PED waiting period and moratorium period.","display":"Can port to another insurer, applying at least 45 days before but not earlier than 60 days from renewal; continuity benefits are credited if continuously covered without lapses.","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 to the extent of Sum Insured, cumulative bonus 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":"13. Portability","page":34,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-13-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":true,"display":"Yes, lifelong renewability","note":null,"quote":"Lifelong Renewability","sources":[{"clause":"2","heading":"Policy Tenure","page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4581#c-2"}],"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":"31(d)(v)","heading":null,"page":34,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-31-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":"quote-verified","value":["Investigation & Evaluation-Code-Excl04","Rest Cure, rehabilitation and respite care-code-Excl05","Obesity/Weight Control: Code-Excl06","Change-of-Gender treatments","Cosmetic or plastic Surgery","Hazardous or Adventure sports","Breach of law","Excluded Providers","Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof","Treatments received in health hydros, nature cure clinics, spas or similar establishments","Dietary supplements and substances that can be purchased without prescription","Refractive Error","Unproven Treatments","Sterility and Infertility","Maternity","War or any act of war","intentional self-injury or attempted suicide","ionizing radiation or contamination by radioactivity","Any travel or transportation costs or expenses excluding ambulance charges","Circumcisions","Vaccination or inoculation unless forming a part of post-animal bite treatment","Sexually transmitted disease or illness","Durable medical equipment","Any external congenital diseases, defects or anomalies","dental treatment or surgery of a corrective, cosmetic or aesthetic nature","hearing aids, eyeglasses or contact lenses","Independent personal comfort and convenience items","Treament other than Allopathy and AYUSH","Claims arising out of the treatment/operation undertaken to cure impotence or to improve potency","Non-medical Expenses incurred during Hospitalisation"],"display":"Permanent exclusions include Excl04 to Excl18 and product exclusions such as war, self-injury, nuclear radiation, non-ambulance travel, circumcision, vaccination, STDs, durable medical equipment, external congenital conditions, dental cosmetic/corrective treatment, hearing aids/eyeglasses/contact lenses, personal comfort items, non-Allopathy/non-AYUSH treatment, impotence treatment and non-medical expenses.","note":null,"quote":"Excl04 Investigation & Evaluation-Code-Excl04 ... Excl05 Rest Cure, rehabilitation and respite care-code-Excl05 ... Excl06 Obesity/Weight Control: Code-Excl06 ... Change-of-Gender treatments: Expenses related to any treatment, including surgical management, to change characteristics of the body to those of the opposite sex. ... Cosmetic or plastic Surgery: Expenses for cosmetic or plastic surgery or any treatment to change appearance ... Hazardous or Adventure sports: Expenses related to any treatment, necessitated due to participation as a professional in hazardous or adventure sports ... Breach of law: Expenses for treatment directly arising from or consequent upon any\nInsured Person committing or attempting to commit a breach of law with criminal intent. ... Excluded Providers: Code-Excl11 ... Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. Excl12 ... Treatments received in health hydros, nature cure clinics, spas or similar establishments ... Dietary supplements and substances that can be purchased without prescription ... Refractive Error: Expenses related to the treatment for correction of eye sight due to\nrefractive error less than 7.5 dioptres. Code-Excl15 ... Unproven Treatments: Expenses related to any unproven treatment ... Sterility and Infertility: Code-Excl17 ... Maternity: Code-Excl18 ... War or any act of war ... intentional self-injury or attempted suicide ... ionizing radiation or contamination by radioactivity ... Any travel or transportation costs or expenses excluding ambulance charges. ... Circumcisions (unless necessitated by illness or injury and forming part of treatment). ... Vaccination or inoculation unless forming a part of post-animal bite treatment. ... Sexually transmitted disease or illness. ... Durable medical equipment ... Any external congenital diseases, defects or anomalies. ... Expenses incurred for any dental treatment or surgery of a corrective, cosmetic or\naesthetic nature ... Any expenses incurred towards hearing aids, eyeglasses or contact lenses. ... Independent personal comfort and convenience items or services which are non\nmedical in nature and are charged separately unless they form part of the room rent. ... Treament other than Allopathy and AYUSH*. ... Claims arising out of the treatment/operation undertaken to cure impotence or to\nimprove potency. ... Non-medical Expenses incurred during Hospitalisation.","sources":[{"clause":"Excl04","heading":"Investigation & Evaluation-Code-Excl04","page":28,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-excl04"},{"clause":"Excl05","heading":"Rest Cure, rehabilitation and respite care-code-Excl05","page":28,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-excl05"},{"clause":"Excl06","heading":"Obesity/Weight Control: Code-Excl06: Expenses related to the surgical treatment of","page":28,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-excl06"},{"clause":"Excl07","heading":null,"page":29,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-excl07"},{"clause":"7","heading":"Breach of law: Expenses for treatment directly arising from or consequent upon any","page":29,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-7"},{"clause":"8","heading":"Excluded Providers: Code-Excl11: Expenses incurred towards treatment in any hospital","page":29,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-8"},{"clause":"9","heading":"Treatment for Alcoholism, drug or substance abuse or any addictive condition and","page":29,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-9"},{"clause":"10","heading":"Treatments received in health hydros, nature cure clinics, spas or similar establishments","page":29,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-10"},{"clause":"11","heading":null,"page":29,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-11"},{"clause":"12","heading":"Refractive Error: Expenses related to the treatment for correction of eye sight due to","page":29,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-12"},{"clause":"13","heading":"Unproven Treatments: Expenses related to any unproven treatment, services and","page":29,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-13"},{"clause":"14","heading":"Sterility and Infertility","page":29,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-14"},{"clause":"15","heading":"Maternity: Code-Excl18","page":30,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-15"},{"clause":"16","heading":"War or any act of war, invasion, acts of foreign enemies, hostilities whether war be","page":30,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-16"},{"clause":"18","heading":"All expenses caused by ionizing radiation or contamination by radioactivity from any","page":30,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-18"},{"clause":"19","heading":null,"page":30,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-19"},{"clause":"20","heading":null,"page":30,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-20"},{"clause":"21","heading":null,"page":30,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-21"},{"clause":"22","heading":null,"page":30,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-22"},{"clause":"23","heading":"Durable medical equipment (including but not limited to wheelchairs, crutches, artificial","page":30,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-23"},{"clause":"24","heading":null,"page":30,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-24"},{"clause":"25","heading":"Expenses incurred for any dental treatment or surgery of a corrective, cosmetic or","page":30,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-25"},{"clause":"26","heading":null,"page":30,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-26"},{"clause":"27","heading":"Independent personal comfort and convenience items or services which are non","page":30,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-27"},{"clause":"29","heading":null,"page":30,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-29"},{"clause":"30","heading":"Claims arising out of the treatment/operation undertaken to cure impotence or to","page":30,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-30"},{"clause":"31","heading":null,"page":31,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-31"}],"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, the company refunds proportionate premium for the unexpired period; for terms over one year it refunds premium for unexpired policy years whose risk has not commenced, retaining a minimum premium of Rs.250 per policy, and no refund is made where a claim has been admitted, lodged or a benefit availed.","display":"7 days written notice; proportionate unexpired premium if term up to one year and no claim; unexpired future-year premium for terms over 1 year; minimum Rs.250 retained; no refund if any claim/benefit.","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 Minimum premium of Rs.250/-per policy will be retained by us towards administrative charges. 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":"15. Cancellation of cover","page":34,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-15-cancellation-of-cover"},{"clause":"31(a)","heading":null,"page":34,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-31-a-2"},{"clause":"31(b)","heading":null,"page":34,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-31-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 policy pays within India and in Indian Rupees only for medical services or procedures rendered in or undertaken within India.","display":"India only, payable in Indian Rupees","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":"24. Territorial Limits","page":37,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-24-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":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, whether received electronically or otherwise, to review the terms and conditions of such policy and to return the same if not acceptable.","sources":[{"clause":null,"heading":"3. Free Look Period","page":31,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-3-free-look-period"}],"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":"15 days for monthly; 30 days for quarterly, half-yearly and annual","note":"A renewal condition also states that the policy can be renewed within the Grace period of 30 days to maintain continuity.","quote":"Premium Payment mode | Grace Period from due date for premium payment\nMonthly | 15 days\nQuarterly | 30 days\nHalf-Yearly | 30 days\nAnnual | 30 days","sources":[{"clause":"31(b)","heading":null,"page":35,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-31-b-3"}],"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":"Available to persons aged between 03 months and 65 years at commencement. Children can enter up to 26 years; children between 03 months and 18 years can be insured only if either parent is insured under the policy; proposer must be at least 18 years.","display":"03 months to 65 years; children up to 26 years; proposer minimum 18 years","note":null,"quote":"This Insurance is available to persons aged between 03 months and 65 years (Completed\nage) at the commencement date of this policy.\n• The Maximum entry age for Children under the policy is 26 Years. Children between 03 months and 18 years can be insured provided either parent is getting insured under this policy.\n• The Proposer should be minimum 18 years on the Commencement date of the policy.","sources":[{"clause":"2","heading":"PERSONS WHO CAN BE INSURED","page":16,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-2"}],"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":["Single Premium payment","Monthly","Quarterly","Half-Yearly","Annual"],"display":"Single premium, Monthly, Quarterly, Half-Yearly and Annual","note":"Mode can be changed only at renewal.","quote":"The proposer shall have the following options to pay the premium:\n1. Single Premium payment prior to commencement of cover or\n2. Payment of premium on Monthly, Quarterly, Half-Yearly and Annual modes","sources":[{"clause":"31(a)","heading":null,"page":35,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-31-a-3"}],"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":["Medical Second Opinion – Add on Cover","Flexi OP Care – Add On Cover","Home Care Treatment – Add on Cover"],"display":"Medical Second Opinion, Flexi OP Care and Home Care Treatment add-ons","note":null,"quote":"Medical Second Opinion – Add on Cover\n(on payment of additional premium) ... Flexi OP Care – Add On Cover\nUIN:CHOHLIA23045V012223 (on payment of additional premium) ... Home Care Treatment – Add on Cover\n(on payment of additional premium)","sources":[{"clause":null,"heading":"9. Medical Second Opinion – Add on Cover","page":70,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-9-medical-second-opinion-add-on-cover"},{"clause":null,"heading":"10. Flexi OP Care – Add On Cover","page":74,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-10-flexi-op-care-add-on-cover"},{"clause":null,"heading":"11. Home Care Treatment – Add on Cover","page":83,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-11-home-care-treatment-add-on-cover"}],"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":"For instalment premium modes, the policy says it will be in force during the grace period and claims arising during the grace period will be payable subject to policy terms and conditions. For renewal at the end of the policy period, the policy says coverage is not available during the grace period.","display":"Instalment grace period: claim payable; renewal grace period: coverage not available","note":"The two statements apply to different grace-period contexts: instalment premium payment during the policy period and renewal after the policy period.","quote":"The policy will be in force during the grace period and any claim arising during the grace period will be payable subject to policy terms and conditions. ... 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":"31(b)","heading":null,"page":35,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-31-b-3"},{"clause":null,"heading":"10. Renewal of Policy","page":33,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-10-renewal-of-policy"}],"law":[]},{"key":"room_rent","label":"Room rent limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for the hospital room, or the room category allowed. If you take a costlier room, other bills can be cut in proportion.","status":"quote-verified","value":"Room rent is limited to Rs.2000/- per day for Sum Insured Rs.50,000/-, Rs.1 Lakh and Rs. 2 Lakhs. There is no room limit for Sum Insured above Rs.2 Lakhs.","display":"Up to Rs.2000/- per day for SI Rs.50,000/-, Rs.1 Lakh and Rs. 2 Lakhs; no room limit above Rs.2 Lakhs","note":null,"quote":"Room Rent limits | - Upto Rs.2000/- per day for Sum Insured Rs.50,000/-, Rs.1 Lakh & Rs. 2 Lakhs. - No Room limit for Sum Insured above Rs.2 Lakhs","sources":[{"clause":null,"heading":"Sublimits","page":18,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-sublimits"}],"law":[]},{"key":"room_category","label":"Room category allowed","section":"Limits and co-pay","meaning":"Shared room, single private room or any room, by plan, when the limit is a room type rather than a rupee amount.","status":"not-applicable","value":null,"display":null,"note":"The policy uses a rupee room rent limit or no room limit, not a room category limit.","quote":null,"sources":[],"law":[]},{"key":"icu_limit","label":"ICU limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for intensive care.","status":"quote-verified","value":"No separate ICU limit is stated; room and boarding charges in normal rooms or ICU are covered under inpatient hospitalisation. For Sum Insured Rs.50,000/-, Rs. 1 Lakh and 2 Lakhs, the maximum room rent allowed is Rs.2000/- per day.","display":"No separate ICU limit stated; normal rooms or ICU covered, with Rs.2000/- per day room rent for SI Rs.50,000/-, Rs. 1 Lakh and 2 Lakhs","note":null,"quote":"a. Room, Boarding charges as provided by the Hospital/Nursing Home in normal rooms or in ICU ... For Sum Insured Rs.50,000/-, Rs. 1 Lakh and 2 Lakhs, the maximum room rent allowed is Rs.2000/-per day.","sources":[{"clause":"4.1","heading":"BASIC COVERS","page":19,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-4-1"}],"law":[]},{"key":"proportionate_deduction","label":"Proportionate deduction","section":"Limits and co-pay","meaning":"If you choose a room above your limit, whether the insurer reduces associated charges (doctor fees, tests, procedures) by the same proportion.","status":"not-stated","value":null,"display":null,"note":"The wording states room rent limits but does not state proportionate deduction for associated charges when a higher room is chosen.","quote":null,"sources":[],"law":[]},{"key":"copay","label":"Co-payment","section":"Limits and co-pay","meaning":"The share of every admissible claim you pay yourself, and when it applies (age, zone, choice of hospital).","status":"quote-verified","value":"A co-payment of 20% applies on each and every admissible claim if treatment is taken in a hospital from a Tier 1 location and the premium has been paid for a Tier 2 location. It does not apply to Daily Care Benefit, Compassionate Benefit, Repatriation of Mortal Remains and Medical Second Opinion.","display":"20% if treatment is in Tier 1 and premium paid for Tier 2","note":null,"quote":"Co-payment | - A Co-payment of 20% shall be applied on each and every admissible claim in case of treatment taken in a hospital from Tier 1 location and the premium has been paid for Tier 2 location - This Co-payment shall not be applicable to any claim under sections- - 4.2.4 (Daily Care Benefit), 4.2.5 (Compassionate Benefit), 4.2.6(Repatriation of Mortal Remains) and 4.2.7(Medical Second Opinion)","sources":[{"clause":null,"heading":"Sublimits","page":18,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-sublimits"}],"law":[]},{"key":"deductible","label":"Deductible","section":"Limits and co-pay","meaning":"An amount of each claim or each year that you bear before the policy pays.","status":"quote-verified","value":"No deductible is applicable.","display":"Not Applicable","note":null,"quote":"iii. Deductible (It is a specified amount: - upto which an insurance company will not pay any claim, and - which will be deducted from total claim amount (if claim amount is more than the specified amount) | Not Applicable","sources":[{"clause":null,"heading":"CUSTOMER INFORMATION SHEET / KNOW YOUR POLICY","page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4542#c-customer-information-sheet-know-your-policy-2"}],"law":[]},{"key":"disease_sublimits","label":"Disease or procedure sub-limits","section":"Limits and co-pay","meaning":"Caps on what is paid for named treatments (cataract, knee replacement...), even if the sum insured is higher.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"pre_hospitalisation","label":"Pre-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days before admission that are paid if related to the hospitalisation.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"Upto 30 days","note":"Expenses must be for the same condition as the admissible inpatient hospitalisation claim.","quote":"Pre-Hospitalisation Expenses | Upto 30 days","sources":[{"clause":null,"heading":"Basic Covers","page":16,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-basic-covers"}],"law":[]},{"key":"post_hospitalisation","label":"Post-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days after discharge that are paid if related to the hospitalisation.","status":"quote-verified","value":{"unit":"days","amount":60},"display":"Upto 60 days","note":"Expenses must be for the same condition as the admissible inpatient hospitalisation claim.","quote":"Post-Hospitalisation Expenses | Upto 60 days","sources":[{"clause":null,"heading":"Basic Covers","page":16,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-basic-covers"}],"law":[]},{"key":"day_care","label":"Day-care treatments","section":"Cover","meaning":"Treatments needing less than 24 hours in hospital (chemotherapy, dialysis, cataract) and whether all or only listed ones are covered.","status":"quote-verified","value":"Day care procedures are covered. The policy pays medical expenses for day care treatment in Annexure 1 that requires less than 24 hours of hospitalisation; the listed procedures are illustrative and not exhaustive, and other qualifying medical or surgical procedures are also considered day care procedures.","display":"Covered; listed procedures are illustrative and not exhaustive","note":"Non-network day care procedures must be pre-authorised.","quote":"Day Care Procedures | Covered ... This Policy will pay for Medical Expenses incurred as a Day Care Procedure/Treatment per Annexure 1 that requires less than 24 hours of Hospitalisation, up to Sum Insured stated in the policy schedule if it is performed in a network hospital. ... Kindly note that the procedures mentioned below are only illustrative and not exhaustive. Any other Medical treatment or surgical procedure which is undertaken under general or local anaesthesia and which require admission in a Hospital/Day Care Centre, where hospital stay is less than 24 hours due to technological advancement only, shall also be considered as Day care procedures for the purpose of indemnity under this policy.","sources":[{"clause":null,"heading":"Basic Covers","page":16,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-basic-covers"},{"clause":"4.1","heading":"BASIC COVERS","page":19,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-4-1"},{"clause":null,"heading":"LIST OF DAY CARE PROCEDURES","page":49,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-list-of-day-care-procedures"}],"law":[]},{"key":"domiciliary","label":"Treatment at home","section":"Cover","meaning":"Whether treatment at home is covered when hospital admission is not possible or a doctor advises it.","status":"quote-verified","value":"Domiciliary hospitalisation is covered when treatment at home would otherwise have required hospitalisation and either the insured cannot be transferred to a hospital on medical advice or a hospital bed is unavailable. The condition must continue for at least 3 days, and cashless facility is not available for such claims.","display":"Covered when hospital transfer is not possible or a hospital bed is unavailable; condition must continue for at least 3 days","note":"Listed ailments such as asthma/bronchitis/tonsillitis/URTI, arthritis/gout/rheumatism, chronic nephritis/nephritic syndrome, diarrhoea/dysentery/gastroenteritis, diabetes, epilepsy, hypertension and pyrexia of unknown origin are not payable under this benefit.","quote":"Domiciliary Hospitalisation Cover | Covered ... This policy will reimburse the Medical Expenses incurred by an Insured Person for medical treatment taken at his/her home which would otherwise have required Hospitalisation provided: a) On the advice of the attending Medical Practitioner, the Insured Person could not be transferred to a Hospital or b) a Hospital bed was unavailable, and provided that: I. The condition for which the medical treatment is required continues for at least 3 days ... Cashless facility will not be available for such a claim.","sources":[{"clause":null,"heading":"Basic Covers","page":16,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-basic-covers"},{"clause":"4.1","heading":"BASIC COVERS","page":19,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-4-1"}],"law":[]},{"key":"ayush","label":"AYUSH treatment","section":"Cover","meaning":"Ayurveda, Yoga, Unani, Siddha and Homeopathy treatment in a recognised hospital, and any limit.","status":"quote-verified","value":"AYUSH hospitalisation and day care procedures are covered up to the sum insured for non-allopathic treatments under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy systems, if taken in an AYUSH Hospital or AYUSH Day care centre as defined in the policy.","display":"Covered up to Sum Insured in AYUSH Hospital / AYUSH Day care centre","note":null,"quote":"AYUSH Coverage | Covered ... This policy will pay for Hospitalisation expenses that require more than 24 hours of Hospitalisation and day care procedures for illness or accidental bodily injury for non-allopathic treatments given under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy systems up to Sum Insured stated in the policy schedule. The treatment should have been undergone in AYUSH Hospital / AYUSH Day care centre as defined in the policy","sources":[{"clause":null,"heading":"Basic Covers","page":16,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-basic-covers"},{"clause":"4.1","heading":"BASIC COVERS","page":19,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-4-1"}],"law":[{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 1","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 2","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 1","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II A.I(1)","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"modern_treatments","label":"Modern treatments","section":"Cover","meaning":"Robotic surgery, immunotherapy, oral chemotherapy, stem cell therapy and the like, and any cap on them.","status":"not-stated","value":null,"display":null,"note":"The base wording does not state a specific modern treatments benefit or cap.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 2","url":"https://indiainsurances.com/law/irdai-health-mc-2024"}]},{"key":"organ_donor","label":"Organ donor expenses","section":"Cover","meaning":"Whether the donor's hospital costs for an organ transplant are paid.","status":"quote-verified","value":"Legal organ donor hospitalisation expenses are covered for the harvesting of the organ donated. Donor pre- and post-hospitalisation expenses or any other medical treatment consequent to harvesting are not paid.","display":"Covered for donor treatment for organ harvesting; donor pre/post-hospitalisation not paid","note":null,"quote":"Organ Donor Hospitalisation Expenses | Covered ... This policy will pay for medical expenses incurred on a legal Organ Donor’s treatment for the harvesting of the organ donated. We will not pay for Donor’s Pre and Post-Hospitalisation expenses or any other medical treatment consequent to the harvesting","sources":[{"clause":null,"heading":"Basic Covers","page":16,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-basic-covers"},{"clause":"4.1","heading":"BASIC COVERS","page":19,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-4-1"}],"law":[]},{"key":"ambulance","label":"Ambulance cover","section":"Cover","meaning":"Road (and air) ambulance cover and its limit.","status":"quote-verified","value":"Emergency ambulance expenses are covered up to 1% of sum insured, subject to a maximum of Rs.2,000/- per hospitalisation, for transfer following an emergency to the nearest hospital with adequate facilities, if the inpatient hospitalisation claim is accepted.","display":"Road ambulance up to 1% of SI, maximum Rs.2,000/- per hospitalisation","note":null,"quote":"Emergency Ambulance Expenses | upto 1% of SI subject to a maximum of Rs.2,000/- per hospitalisation ... This policy will pay for ambulance expenses, as mentioned in the Schedule of benefits, incurred to transfer the insured person following an emergency to the nearest Hospital with adequate facilities, provided that: a. The ambulance service is offered by a healthcare or an ambulance service provider b. We have accepted the inpatient hospitalisation claim under section 4.1.1 above","sources":[{"clause":null,"heading":"Basic Covers","page":16,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-basic-covers"},{"clause":"4.1","heading":"BASIC COVERS","page":19,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-4-1"}],"law":[]},{"key":"restoration","label":"Restoration of sum insured","section":"Cover","meaning":"Whether the sum insured is refilled after it is used up in a year, how much, how often, and whether it works for the same illness.","status":"quote-verified","value":"For sum insured Rs.3 Lakhs and above, the policy provides 100% restoration of sum insured during the policy year for unrelated future inpatient hospitalisation claims when the sum insured and cumulative bonus are insufficient or exhausted. Restoration is available only once during a policy year, does not apply to the first claim, is not available for the same illness/injury already paid in the year, and does not apply to road traffic accident claims.","display":"100% restoration once per policy year for unrelated claims, for SI Rs.3 Lakhs and above","note":null,"quote":"Sum Insured Restoration for unrelated claims (applicable for Sum Insured 3 Lakhs and above) | This policy will provide for a 100% restoration of Sum Insured during that policy year, provided that: a. The Sum Insured and earned Cumulative Bonus is insufficient or exhausted as a result of previous claims during the policy year. b. The Restored Sum Insured shall not be available for claims towards an Illness/disease/Injury (including its complications) for which a claim has been paid during the policy year for the same Insured Person. c. The Restored Sum Insured will be available only for claims made by Insured Persons in respect of future claims that become payable under basic Inpatient Hospitalisation Expenses cover and shall not apply to the first claim in the Policy Year. ... Such restoration of Sum Insured will be available only once during a Policy Year ... Sum Insured Restoration benefit will not be applicable for any claims arising out of Road Traffic Accident","sources":[{"clause":null,"heading":"4.2 ADDITIONAL COVERS (Over and Above the Basic Sum Insured)","page":22,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-4-2-additional-covers-over-and-above-the-basic-s"}],"law":[]},{"key":"no_claim_bonus","label":"No-claim or cumulative bonus","section":"Cover","meaning":"How much the cover grows each year, the maximum, whether it depends on not claiming, and what happens after a claim.","status":"quote-verified","value":"If no claim is made in a policy year and the policy is renewed without a break, the sum insured increases by 10% of the expiring policy sum insured, up to a maximum cumulative bonus of 50%. After a claim, the cumulative bonus is reduced by 10% in subsequently renewed policies, but the reduction does not reduce the base sum insured.","display":"10% each claim-free year up to 50%; reduced by 10% after a claim","note":null,"quote":"Cumulative Bonus | 10% - 50%\nReduction in Cumulative Bonus | 10% ... If the insured has not made a claim in a policy year (per annum in case of multi-year tenure) and has renewed the policy with us without a break, we will increase the Sum Insured under each subsequent policy by a percentage of the expiring policy Sum Insured as mentioned in the schedule of benefits. The maximum cumulative bonus shall at no time exceed 50% of the policy Sum Insured ... In the event of a claim during a policy year (per annum in case of multi-year tenure), the claim free bonus in any subsequently renewed policies shall be reduced by a percentage as mentioned in the Schedule of Benefits Such a reduction of cumulative bonus will not reduce the Sum Insured under the policy","sources":[{"clause":null,"heading":"Renewal Benefits","page":18,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-renewal-benefits"},{"clause":null,"heading":"4.3 RENEWAL BENEFITS","page":25,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-4-3-renewal-benefits"}],"law":[]},{"key":"consumables","label":"Consumables and non-medical items","section":"Cover","meaning":"Gloves, PPE, syringes and other items hospitals bill that standard policies exclude; whether this policy pays them.","status":"quote-verified","value":"Non-medical expenses incurred during hospitalisation are excluded; the Annexure list includes items such as GLOVES, MASK, SURGICAL BLADES and COTTON. Consumables are covered only under the optional Home Care Treatment add-on for the listed home-care consumables.","display":"Excluded in base policy as non-medical expenses; optional Home Care Treatment add-on covers listed consumables","note":"The Home Care Treatment benefit is an add-on bought for additional premium, not the base cover.","quote":"Non-medical Expenses incurred during Hospitalisation. The list of such Non medical Expenses is placed at Annexure2. ... 56 | GLOVES ... 60 | MASK ... 12 | SURGICAL BLADES, HARMONIC SCALPEL, SHAVER ... 18 | COTTON ... Consumables as listed in Annexure 1 of this cover","sources":[{"clause":"31","heading":null,"page":31,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-31"},{"clause":null,"heading":"LIST I-ITEMS FOR WHICH COVERAGE IS NOT AVAILABLE IN THE POLICY","page":65,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-list-i-items-for-which-coverage-is-not-available"},{"clause":null,"heading":"4. COVERAGE","page":84,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-4-coverage"}],"law":[]},{"key":"maternity","label":"Maternity cover","section":"Cover","meaning":"Whether childbirth costs are covered, the limit and the waiting period.","status":"quote-verified","value":"Maternity is excluded. The policy excludes medical treatment expenses traceable to childbirth, including complicated deliveries and caesarean sections during hospitalisation, except ectopic pregnancy, and expenses towards miscarriage unless due to an accident and lawful medical termination of pregnancy during the policy period.","display":"Excluded, except ectopic pregnancy and miscarriage due to accident","note":null,"quote":"Maternity: Code-Excl18\ni) Medical treatment expenses traceable to childbirth (including complicated deliveries and caesarean sections incurred during hospitalisation) except ectopic pregnancy;\nii) Expenses towards miscarriage (unless due to an accident) and lawful medical termination of pregnancy during the policy period.","sources":[{"clause":"15","heading":"Maternity: Code-Excl18","page":30,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-15"}],"law":[]},{"key":"newborn","label":"Newborn baby cover","section":"Cover","meaning":"Whether a newborn is covered from birth and for what.","status":"quote-verified","value":"Newborn baby inpatient hospitalisation medical expenses are covered from day one until policy expiry, within the mother's sum insured, up to 10% of sum insured subject to a maximum of Rs.50,000/-, provided the mother has been covered continuously for 12 months without break and the baby is intimated, included and endorsed under the policy.","display":"Covered from Day one, up to 10% of SI subject to maximum Rs.50,000/- within Mother’s Sum Insured","note":"Routine vaccinations for the baby are not admissible; the 30 days waiting period does not apply for newborn baby cover.","quote":"New born Baby Cover | Coverage from Day one ... This policy will pay for the Inpatient hospitalisation medical expenses incurred for the New Born Baby from Day one till policy expiry date mentioned in the policy schedule subject to a limit of 10% of Sum Insured subject to a maximum of Rs.50,000/- whichever is less within Mother’s Sum Insured provided that 1. The mother is covered under the policy for a period of 12 months continuously without break. 2. Intimation about the birth of the New Born Baby is given to us and the baby is included and endorsed under the policy for the cover to commence.","sources":[{"clause":null,"heading":"Basic Covers","page":16,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-basic-covers"},{"clause":"4.1","heading":"BASIC COVERS","page":19,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-4-1"}],"law":[]},{"key":"mental_illness","label":"Mental illness","section":"Cover","meaning":"Cover for in-patient treatment of mental illness.","status":"quote-verified","value":"Inpatient hospitalisation expenses for disease or illness including mental illness are covered, subject to policy terms, conditions and exclusions.","display":"Inpatient treatment of Mental illness covered","note":null,"quote":"This Policy will indemnify for medically necessary inpatient treatment expenses, under different heads mentioned below, incurred during the policy period towards Hospitalisation for the disease, illness (including Mental illness), medical condition or injury contracted or sustained by the insured person during the Policy Period as stated in the policy Schedule subject to terms, conditions and exclusions mentioned in the Policy.","sources":[{"clause":"4.1","heading":"BASIC COVERS","page":19,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-4-1"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 3","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch III I","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(4)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 2(1)(s)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(1)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"}]},{"key":"health_checkup","label":"Health check-up","section":"Cover","meaning":"Free preventive check-ups and how often.","status":"quote-verified","value":"All insured persons are eligible for a health check-up after two continuous claim-free policy years, up to defined limits. It can be availed cashless at empanelled hospitals/diagnostic centres or by reimbursement, and in a family floater policy a claim by any member removes the benefit for all members.","display":"Once in two claim free years up to defined limits","note":"Benefit limits vary by sum insured from Rs.500/- to Rs.3500/-.","quote":"Health Checkup | Once in two claim free years upto defined limits ... All Insured Persons under this policy will be eligible for a Health Check-up up to the limits defined below after two continuous claim free policy years ... In case of family floater policy i. All the members of a family floater policy are eligible for a Health Check-up ii. If any of the members have made a claim under this Policy, the health check-up benefit will not be offered under the policy for any members ... The medical Check-up can be availed on Cashless basis in the Hospital/Diagnostic Centres empanelled with the Insurer or on Reimbursement basis at the option of the Insured","sources":[{"clause":null,"heading":"Renewal Benefits","page":18,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-renewal-benefits"},{"clause":null,"heading":"4.3 RENEWAL BENEFITS","page":25,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-4-3-renewal-benefits"}],"law":[]},{"key":"opd","label":"Out-patient (OPD) cover","section":"Cover","meaning":"Doctor consultations, tests and medicines without admission, and the limit.","status":"quote-verified","value":"Normal OPD treatment is not included in day care cover. OPD consultations, diagnostics, dental, pharmacy discounts and other OP services are available only if the optional Flexi OP Care add-on is bought and the services are availed on the digital platform.","display":"Not covered in base day care; optional Flexi OP Care add-on covers OPD services","note":"Flexi OP Care is an add-on and not base cover.","quote":"Treatment normally taken on an out-patient basis is not included in the scope of this definition. ... Flexi OP Care – Add On Cover\nUIN:CHOHLIA23045V012223 (on payment of additional premium) ... Out-Patient services (OPD) listed under Base Cover of this Add-on, can be availed only on cashless basis on the digital platform subject to waiting periods, exclusions, terms and conditions of the Add-on cover.","sources":[{"clause":"1(b)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-1-b-3"},{"clause":null,"heading":"10. Flexi OP Care – Add On Cover","page":74,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-10-flexi-op-care-add-on-cover"},{"clause":null,"heading":"5. COVERAGE","page":79,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-5-coverage"}],"law":[]},{"key":"zone_pricing","label":"Zone or city-based premium","section":"Premium","meaning":"Whether premium or co-pay depends on the city you are treated in.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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 across India in the insurer's network hospitals, and pre-authorisation is required. The insured can view or download the updated hospital network from the company's website or Chola MS mobile application.","display":"Cashless treatment across India in network hospitals","note":null,"quote":"You can avail cashless treatment across India with our wide network of hospitals. ... 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. 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":null,"heading":"OUR NATIONWIDE NETWORK OF HOSPITALS","page":4,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-our-nationwide-network-of-hospitals"},{"clause":"31(b)","heading":null,"page":38,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-31-b-6"}],"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 team; the wording says there is no TPA tie-up envisaged for this product.","display":"In-house Claims team; no TPA tie-up envisaged","note":null,"quote":"Claims Team means the Claims administration team within Chola MS General Insurance Company. ... 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 ... There is no TPA tie –up envisaged for this product. Any arrangement in future will be disclosed in the Policy to the Policyholders.","sources":[{"clause":"1(c)(iv)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-1-c-iv"},{"clause":"31(c)","heading":null,"page":38,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-31-c-2"},{"clause":"31(d)","heading":null,"page":39,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-31-d-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","note":"Coverage of Self/Proposer is mandatory under Family Floater Cover.","quote":"Self, Spouse and Children upto a maximum of 6 members can be covered on Family Floater basis. Single Sum insured floats among the family members covered under the policy.","sources":[{"clause":"2","heading":"PERSONS WHO CAN BE INSURED","page":16,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561#c-2"}],"law":[]}],"documents":[{"kind":"wording","label":"Flexi Health CHOHLIP24145V062526-Policywording.pdf","pages":89,"fetched_at":"2026-10-17 19:32:03+00","source_url":"https://www.cholainsurance.com/documents/20121/o/Flexi%20Health%20CHOHLIP24145V062526-Policywording.pdf/ba235790-384e-6781-3f68-4bc839509a0b","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4561"},{"kind":"wording","label":"PW-Flexi Health-G.pdf","pages":54,"fetched_at":"2026-10-17 19:38:33+00","source_url":"https://www.cholainsurance.com/documents/20121/o/PW-Flexi%20Health-G.pdf/010a2eca-2228-b744-9ad6-3d8d51c00a9a","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4829"},{"kind":"wording","label":"Flexi Health (IRDAI copy)","pages":50,"fetched_at":"2026-10-20 01:48:26+00","source_url":"https://irdai.gov.in/documents/37343/931203/CHOHLGP21311V022021_2020-2021.pdf/e25d62f6-c23d-861c-0ca5-8ea1f30f4476?version=1.1&t=1668584481488&download=true","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/27360"},{"kind":"prospectus","label":"Flexi Health CHOHLIP24145V062526-Prospectus.pdf","pages":89,"fetched_at":"2026-10-17 19:32:28+00","source_url":"https://www.cholainsurance.com/documents/20121/o/Flexi%20Health%20CHOHLIP24145V062526-Prospectus.pdf/38b3de49-7f41-3ff3-b688-1e851dc0d579","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4581"},{"kind":"prospectus","label":"Prospectus-Flexi Health (Group).pdf","pages":22,"fetched_at":"2026-10-17 19:37:25+00","source_url":"https://www.cholainsurance.com/documents/20121/o/Prospectus-Flexi%20Health%20(Group).pdf/a8abe952-ee00-1680-d06c-04739e74f577","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4769"},{"kind":"cis","label":"Flexi Health CHOHLIP24145V062526-CIS.pdf","pages":3,"fetched_at":"2026-10-17 19:31:30+00","source_url":"https://www.cholainsurance.com/documents/20121/o/Flexi%20Health%20CHOHLIP24145V062526-CIS.pdf/c69bca3e-240b-ce1c-984e-bb22d00b4b5a","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4542"},{"kind":"brochure","label":"Flexi Health CHOHLIP24145V062526-Brochure.pdf","pages":4,"fetched_at":"2026-10-17 19:30:52+00","source_url":"https://www.cholainsurance.com/documents/20121/o/Flexi%20Health%20CHOHLIP24145V062526-Brochure.pdf/8ac3d5ce-9027-bd1b-cf02-f9a4f38a1a66","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/4529"},{"kind":"premium","label":"Flexi Health CHOHLIP24145V062526-Ratechart.pdf","pages":null,"fetched_at":"2026-10-17 19:31:08+00","source_url":"https://www.cholainsurance.com/documents/20121/o/Flexi%20Health%20CHOHLIP24145V062526-Ratechart.pdf/ab5f69ce-4057-739e-00ed-87bd8fa99e2b","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/19527"},{"kind":"proposal","label":"Flexi Health CHOHLIP24145V062526-Proposal form.pdf","pages":null,"fetched_at":"2026-10-17 19:31:32+00","source_url":"https://www.cholainsurance.com/documents/20121/o/Flexi%20Health%20CHOHLIP24145V062526-Proposal%20form.pdf/3a0c26d5-aa67-6d4f-96f6-9aaef3746877","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526/document/19532"}],"versions":[{"uin":"CHOHLGP21311V022021","version":null,"approved_on":null},{"uin":"CHOHLIP24145V062526","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 Health (UIN CHOHLIP24145V062526), IndiaInsurances, https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/flexi-health-chohlip24145v062526"}