Cholamandalam MS General Insurance Company Limited
Registered Indian general insurer listed in IRDAI's public registered-entity records. Many general insurers offer motor and other non-life products; this platform does not show pricing.
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Established in 2001, began operations in 2002, as a joint venture between the Murugappa Group and Japan's Mitsui Sumitomo Insurance Group (MSIG). MSIG raised its stake from 26% to 40% in 2015; Murugappa Group holds the remaining 60%.
CSR = % of claims actually paid out of total claims filed. Higher is better for policyholders.
Source: IRDAI Annual Report ↗| Year | CSR % | Solvency | ICR | Complaints |
|---|---|---|---|---|
| FY 2019-20 | 40.67% | 158% | 74.99% | — |
| FY 2020-21 | 77.35% | 208% | 72.44% | — |
| FY 2021-22 | 117.08% | 195% | 70.29% | — |
| FY 2022-23 | 67.88% | 201% | 71.24% | — |
| FY 2023-24 | 66.67% | 179% | 73.66% | — |
CSR over the years (IRDAI data)
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Cholamandalam MS General — Plans
13 plans · Key details from official policy documents.
| Plan Name | Type | Sum Insured | Min Age | Max Age | Renewal | Room Rent | Co-pay | PED Waiting | Initial WP | Maternity WP | Restoration | OPD | Key Features |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Chola MS Health▼Compare this plan → | Health Insurance | ₹1 Lakh | 18 years | 65 years | — | — | No co-pay | 36 months | 30 days | — | ✓ | ✗ | |
Corona Kavach▼Compare this plan → | Health Insurance | ₹1 Lakh | 18 years | 65 years | — | — | No co-pay | — | N/A | 1 year | ✓ | ✗ | |
Chola Sarva Shakti Policy (Health Section)▼Compare this plan → | Health Insurance | ₹2 Lakh to ₹25 Lakh, in multiples of ₹1 Lakh | 18 years | 65 years | — | — | No co-pay | 36 months | 30 days for illness | 24 months from policy commencement (for the Maternity Coverage add-on) | — | — | ✓✓ |
Chola Surrogate and Oocyte Donor Protector▼Compare this plan → | Health Insurance | ₹3L / 5L / 7.5L / 10L, Individual basis only | — | — | — | — | No co-pay | — | — | — | — | — | ✓ |
Chola Flexi Health Supreme (Premiere)▼Compare this plan → | Health Insurance | ₹30L / 40L / 50L / 75L / ₹1Cr / 2Cr / 2.5Cr / 3Cr / 5Cr | 18 years | 75 years | — | — | No co-pay | 24 months | 30 days (Excl03) | 36 months | — | — | ✓✓✓✓ |
Chola Flexi Health▼Compare this plan → | Health Insurance | ₹50,000 / 1L / 2L / 3L / 5L / 7.5L / 10L / 15L / 20L / 25L | 18 years | 65 years | — | — | No co-pay | 36 months | 30 days (Excl03) | — | — | — | ✓✓✓✓ |
Chola Flexi Health Supreme (Basic)▼Compare this plan → | Health Insurance | ₹50,000 / 1L / 2L / 3L / 5L / 7.5L / 10L / 15L / 20L / 25L | 18 years | 75 years | — | — | No co-pay | 36 months | 30 days (Excl03) | — | — | — | ✓✓✓✓ |
Chola Flexi Health Supreme (Plus)▼Compare this plan → | Health Insurance | ₹5L / 7.5L / 10L / 15L / 20L / 25L | 18 years | 75 years | — | — | No co-pay | 36 months | 30 days (Excl03) | 36 months | — | — | ✓✓✓✓ |
Chola Healthline (Enrich)▼Compare this plan → | Health Insurance | ₹3L / 5L / 7.5L / 10L / 15L / 20L / 25L | 18 years | 65 years | — | — | No co-pay | 36 months | 30 days (Excl03) | — | — | — | ✓✓✓✓✓ |
Chola Healthline (Freedom)▼Compare this plan → | Health Insurance | ₹2L / 3L / 5L / 7.5L / 10L / 15L | 18 years | 65 years | — | — | No co-pay | 36 months | 30 days (Excl03) | — | — | — | ✓✓✓✓✓ |
Chola Healthline (Privilege)▼Compare this plan → | Health Insurance | ₹5L / 7.5L / 10L / 15L / 20L / 25L | 18 years | 65 years | — | — | No co-pay | 36 months | 30 days (Excl03) | — | — | — | ✓✓✓✓✓ |
Chola Healthline (Value)▼Compare this plan → | Health Insurance | ₹1L / 2L / 3L / 5L / 7.5L / 10L | 18 years | 65 years | — | — | No co-pay | 36 months | 30 days (Excl03) | — | — | — | ✓✓✓✓✓ |
Saral Suraksha Bima▼Compare this plan → | Health Insurance | ₹2 Lakh – ₹1 Crore | 18 years | 65 years | — | — | No co-pay | 30 months | 30 days | — | — | — |
What policyholders are saying
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How to reach or escalate
Customer Support
2nd Floor, Dare House, 2, N.S.C. Bose Road, Parrys, Chennai – 600001
Grievance Escalation
Senior Citizens & IRDAI
IRDAI Bima Bharosa Portal
For unresolved complaints — approach IRDAI directly. Free & confidential.
bimabharosa.irdai.gov.in ↗