Chola MS Flexi Health: what the policy wording covers
Flexi Health (UIN CHOHLIP24145V062526) has no room-rent limit for sum insured above ₹2 lakh, and ₹2,000 a day up to ₹2 lakh. It pays 30 days before and 60 days after a hospital stay, adds 10% of the sum insured as bonus each claim-free year up to 50%, and restores 100% of the sum insured once a year for an unrelated illness. Pre-existing diseases wait 36 months.
Key limits
| Item | What the wording says |
|---|
| Room | ₹2,000 a day for ₹50,000 to ₹2 lakh cover; no limit above ₹2 lakh. |
|---|
| ICU | No limit stated. |
|---|
| Road ambulance | 1% of the sum insured, up to ₹2,000 per hospitalisation. |
|---|
| Before and after a stay | 30 days and 60 days. |
|---|
| Co-payment | 20% if you pay a Tier 2 premium and are treated in a Tier 1 hospital. |
|---|
| Bonus | 10% a year up to 50%; reduced by 10% after a claim. |
|---|
| Restoration | 100% once a year, for an unrelated illness. |
|---|
Waiting periods
| Waiting period | What the wording says |
|---|
| Any illness after you first buy | 30 days. Accidents are covered from day 1. |
|---|
| Pre-existing diseases | 36 months. |
|---|
| Listed illnesses and surgeries | 24 months. |
|---|
Not covered
- Maternity. A newborn is covered from day 1, up to 10% of the sum insured (max ₹50,000), if the mother has been covered for 12 months.
- Items a hospital bill normally leaves out.
Frequently asked questions
Does Chola Flexi Health have a room-rent limit?
Only on covers up to ₹2 lakh, where it is ₹2,000 a day. Above ₹2 lakh there is no room limit.
What is the bonus in Chola Flexi Health?
10% of the sum insured for each claim-free year, up to 50%.
Does Flexi Health cover maternity?
No. It covers a newborn from day 1 within limits, if the mother has been insured for 12 months.
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Where this comes from
- Chola MS Flexi Health policy wording, UIN CHOHLIP24145V062526. Clauses Benefit table (room, ambulance, pre and post, cumulative bonus), restoration, Excl01, Excl02, Excl18.
Checked against the wording on 2026-10-09.
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