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Cholamandalam MS General Insurance Company

Cholamandalam MS General Insurance Company Overview

Cholamandalam MS General Insurance Company Limited, which is widely renowned as Chola MS, is an Indian general insurance company that originated with a joint venture between the Murugappa Group, which is an Indian conglomerate, and a Japanese insurance company named as Mitsui Sumitomo Insurance Group. The company is based on its motto called 'T3' which means that three important elements for the company are trust, transparency and technology. The general insurance company holds a diversified insurance product and service portfolio for different categories such as motor insurance, health insurance, engineering insurance, marine insurance, property insurance, and rural insurance for individuals as well as corporate.

Cholamandalam MS General Insurance Company Statistics

Cholamandalam MS General Insurance Company Limited presently attains 135 branches, where it functions with around 714 employees and more than 34,000 agents across the nation. The customer base of the general insurance company grew over 9 million during the financial year 2019-20 constituting an impressive growth of more than 53% in comparison to the last financial year. The company has owned several notable numbers to its name over the years by delivering impeccable performance which are as follow:

Claim Settlement Ratio


Network Garages


Network Hospitals


Cholamandalam MS General Insurance Company Financials

Cholamandalam MS General Insurance Company earned a Gross Written Premium (GWP) of Rs. 43,985 million in the financial year 2019-20 and acquired a market share of around 3.7% among general insurance players. The driving force behind the general insurance company’s GWP growth is new bancassurance tie-ups with state-owned banks and foray into two-wheeler insurance business and strong growth in proprietary channels in Tier 2, 3 and 4 towns as well as in the commercial lines. When it comes to investment, the company stepped up the provisioning charge on the portfolio to Rs. 1,573 million and wrote off Rs. 777 million. However, the insurance company registered a profit before tax of Rs. 2,546 million for the financial year 2019-20.

Why Should You Choose Cholamandalam MS General Insurance Company Plans?

Cholamandalam MS General Insurance Company comes with niche offerings and features which offer the utmost advantages to its customers while using its insurance plans. Here are some significant elements of the firm that makes its policyholders additionally benefitted with its plans:

1. Extensive Products and Services

Cholamandalam MS General Insurance Company hosts a range of insurance products and services which are designed to cater individuals and corporate and SMEs. The product range of the company includes motor insurance, health insurance, fire insurance, travel insurance, marine insurance, farmers insurance, and so on.

2. Strong Network of Hospitals and Garages

When it comes to an emergency, the policyholders of the company can easily find a garage to get their vehicle repaired or a hospital to get treatment during a medical emergency with a cashless facility. To ensure easy reach, the company holds more than 8,600 garages and 9,000 hospitals in its network.

3. Swift and Simple Renewal Process

The company gives an easy renewal process to its policyholders. To renew plans, the customers just need to type in their policy numbers at the website of the Chola MS General Insurance Company to initiate the renewal process. After making the required changes and paying for the plan, the renewal process is completed.

4. Excellent Insurance Claim Services

The claim division of the company provides its customers with the best claim related services with state of the art technology and proactive approach. The claim services of the company also includes the tracking of claims online. It enables the policyholders to check the status of their claim requests on their own at a click.

5. 24x7 Active Customer Service

The policyholders can reach out to the customer care team of the Chola MS General Insurance anytime as it offers 24x7 customer support. The customers can connect with the company's support staff by calling them at the toll-free number 1800-208-5544 or by mailing them at the email ID -

Awards and Achievements of Cholamandalam MS General Insurance Company Limited

With a wide range of quality products and exceptional services, the Cholamandalam MS General Insurance Company has been appreciated at various renowned and esteemed platforms. Here are some awards and recognitions bagged by the general insurance company:

  • Best CSR Practice Award
  • The Economic Times Best Brands 2020
  • Golden Peacock Award – Risk Management
  • Dream Companies To Work For In Private Insurance Sector
  • Pride of Tamil Nadu Award For BFSI (Banking, Financial Services and Insurance) Sector

Cholamandalam MS General Insurance Product Portfolio

Cholamandalam MS Motor Insurance Policy

Cholamandalam MS General Insurance offers motor insurance to provide coverage against the damages incurred by the third party due to an accident with the vehicle of the policyholder as well as damages or losses sustained by own vehicle due to an accident, theft, natural calamity or man-made disaster. The comprehensive motor insurance also offers personal accident cover. The company provides different types of motor insurance plans, third party insurance plans, own-damage insurance plans and comprehensive insurance plans. To enhance the coverage of insurance covers, a diverse range of add-ons are available that comprise zero depreciation, roadside assistance, fuel delivery, tyre protection, consumables cover, etc. The company makes its motor insurance plans available for private cars, two-wheelers and commercial vehicles at affordable rates.

Cholamandalam MS Health Insurance Policy

Cholamandalam MS General Insurance provides a range of health insurance plans which are meant to cover the medical bills through a cashless treatment facility or a reimbursement method. The policyholders just require to submit required details and documents like medical bills. It is quite crucial to invest in a health insurance mediclaim plan to shield your financial soundness during the medical emergency. Chola MS health insurance plans include healthline policy, critical health policy, super top-up policy and hospital cash healthline policy, which are designed to give financial aid for medical related expenses arising out of the treatment of illnesses, medical surgeries, hospitalisation, daycare procedures and so on.

Cholamandalam MS Travel Insurance Policy

Cholamandalam MS General Insurance comes up with the travel insurance plan for avid travelers and adventure seekers, basically, who travels frequently. Many times, the travel experience is ruined due to some unexpected events, but more than that, dealing with the situation in a new country is a bigger challenge. Hence, with travel insurance plan everyone should try to prepare for such instances while traveling. The travel insurance policies offered by the company are designed to protect you from unforeseen events during every type of travel experience be it business or leisure. The plan gives coverage for a diverse range of scenarios like flight delays, loss of passport, trip cancellation, loss of baggage, medical emergencies, and so on.

Cholamandalam MS Motor Insurance Policy

A home insurance plan offered by Cholamandalam MS General Insurance is designed to shield your home from different types of unexpected dangers. A perfect property insurance cover not only safeguards your home externally, but also gives the coverage for assets of the house and valuable items owned by you in addition to the building structure. With a good house insurance policy, you can easily combat the property related crisis which can affect your financial soundness and mental peace. The house insurance plan covers the expenses arising due to damages or losses incurred by the structure and valuable content of your house, which may arise due to natural calamities or man-made disasters like burglary, fire, flood, earthquake and so on.

Cholamandalam MS Corporate and SME Insurance Policy

Cholamandalam MS General Insurance extends its offering under the section corporate and SME insurance covers which comprise Engineering insurance policy, Marine Insurance Policy, Fire Insurance Policy, Liability Insurance Policy, Rural Insurance, etc. These insurance plans are meant to secure the businesses, factories, agriculture, and so on. Types of insurance covers give coverage for the financial protection in paying the damage expenses to third parties, coverage for civil works from nuclear perils, war and allied perils, etc, monetary coverage for cargo or goods carried through different modes of transport and financial support loss or damage of crops arising out of unforeseen events.

Cholamandalam MS General Insurance Distribution Network

The general insurance company has managed to attain new bancassurance relationships over the years with state owned banks, regional rural banks, and so on. Cholamandalam MS General Insurance has expanded the base of its agency and increased its number of branches to 135. With such implementations, the customer base of the general insurance company showed a strong enhancement to over 9 million during the financial year 2019-20 which constitutes a significant growth of above 53% in comparison to the previous year.

Cholamandalam General Insurance User Reviews

What users are saying
  • Most Helpful
  • All
  • Comprehensive
  • Zero Depreciation
  • Third Party
  • Own Damage
  • Renewal
  • Cashless Garages
  • Price
  • Premium
  • Policy Download
  • Customer Care
  • Claim
  • Add On

Contact Details

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Cholamandalam MS General Insurance FAQs

  • Can I renew my Cholamandalam MS General Insurance Policy online?

    Yes, you can renew your Cholamandalam MS General Insurance plan online. To renew an insurance plan you need to enter the policy number of the existing plan to process the renewal procedure at the website of the company.<.p>

  • What types of insurance plans are offered by the Cholamandalam MS General Insurance ?

    Cholamandalam MS General Insurance delivers a wide range of insurance products like Motor Insurance, Health Insurance, Home Insurance, Travel Insurance, Marine Insurance, Rural Insurance, Engineering Insurance, Liability Insurance and so on.

  • Can I raise a claim for Cholamandalam MS General Insurance Plan online?

    Yes, the insurance company allows its policyholders to register their claim requests and track their claim status online without any hassle.

  • When can I cancel my insurance policy of Cholamandalam MS General Insurance?

    You can cancel an insurance policy within 15 days of free-look period of its purchase free of cost. However, on cancelling after that, you will have to pay for the cancellation charges for it.

  • How can I contact the Cholamandalam MS General Insurance?

    The customers can connect with the team of Cholamandalam MS General Insurance 24/7 by making a call at the toll free number 1800-208-5544 or by writing an email at