Cholamandalam MS General Insurance (Chola MS), a joint venture between the Murugappa Group and Mitsui Sumitomo Insurance Group, has launched a new digital campaign called #SimpleHai. The campaign aims to change the perception of insurance from being complex and cumbersome to simple and easy to understand. The idea is to show that insurance can be straightforward, transparent, and digitally powered, making it accessible to everyone.

The campaign consists of a hero brand film and two motor insurance films that use everyday life scenarios to illustrate the simplicity of insurance. The films highlight the complexities of life, such as finding the perfect partner, solving a difficult math problem, or navigating through chaotic traffic. However, they also show how insurance can provide a sense of security and protection, making life’s challenges more manageable.

At the core of the #SimpleHai campaign is the T3 philosophy, which stands for Trust, Transparency, and Technology. This philosophy is designed to build trust with customers, provide transparent information and processes, and leverage technology to make insurance more accessible and user-friendly. By emphasizing these values, Chola MS aims to encourage people to stay insured and protected with confidence.

The #SimpleHai campaign is a significant shift in the way insurance is perceived and marketed. By using relatable everyday scenarios and emphasizing the simplicity and transparency of insurance, Chola MS is attempting to break down the barriers that have traditionally prevented people from purchasing insurance. The campaign’s focus on trust, transparency, and technology is also likely to resonate with customers who are looking for a more modern and user-friendly insurance experience. Overall, the #SimpleHai campaign is a bold move by Chola MS to change the conversation around insurance and make it more accessible to a wider audience.

Cholamandalam MS General Insurance Company (Chola MS) has reported a decline in its profit after tax (PAT) by 28.3% in the second quarter of the financial year 2025-26. The company’s PAT stood at Rs 119 crore in Q2 FY26, compared to Rs 166 crore in the corresponding quarter of the previous year.

The decline in PAT is attributed to a significant increase in claims and a rise in operating expenses. The company’s gross written premium (GWP) grew by 12.1% to Rs 2,441 crore in Q2 FY26, compared to Rs 2,177 crore in Q2 FY25. However, the growth in GWP was outpaced by a 24.1% increase in claims to Rs 1,664 crore, resulting in a decline in underwriting profit.

The company’s combined ratio, which is a measure of claims and expenses as a percentage of premium, deteriorated to 104.5% in Q2 FY26, compared to 97.4% in Q2 FY25. The increase in combined ratio was primarily due to a rise in claims ratio, which increased to 68.1% in Q2 FY26, compared to 61.4% in Q2 FY25.

Despite the decline in PAT, Chola MS reported a growth in its retail segment, with a 15.1% increase in GWP to Rs 1,441 crore in Q2 FY26. The company’s commercial lines segment also reported a growth of 8.5% in GWP to Rs 1,000 crore in Q2 FY26.

Chola MS has a strong distribution network with over 109 branches and more than 9,000 agents across the country. The company has also been investing in digital channels to increase its reach and improve customer experience.

The company’s managing director and CEO, V Suryanarayanan, stated that the decline in PAT was due to a one-time increase in claims and that the company is taking steps to improve its underwriting profitability. He also mentioned that the company is focusing on growing its retail segment and improving its digital capabilities to drive growth in the future.

Overall, while Chola MS reported a decline in PAT in Q2 FY26, the company’s growth in GWP and its strong distribution network are positives. The company’s focus on improving its underwriting profitability and investing in digital channels is expected to drive growth in the future. However, the company needs to be cautious about the rising claims and operating expenses, which could impact its profitability in the coming quarters.

The Competition Commission of India (CCI) has dismissed allegations of anticompetitive practices against Chola MS General Insurance and the Central Bank of India in Chennai. The complaint was filed in relation to a delayed insurance claim from the 2015 Chennai floods, where the complainant alleged that both entities had engaged in anticompetitive agreements and abused dominant positions. However, the CCI found no evidence of Chola MS holding a dominant market position in the competitive general insurance sector in Chennai.

The complaint centered on the delayed submission and rejection of an insurance claim due to the alleged delay in providing policy documents. The CCI dismissed the case due to the significant delay in its filing, which suggested that the complainant had not taken timely action to address the issue. The ruling indicates that the CCI is taking a strict approach to ensuring that complaints are filed in a timely manner and that there is sufficient evidence to support allegations of anticompetitive practices.

This decision highlights the importance of regulatory compliance and the need for businesses to be aware of the regulatory landscape in which they operate. The CCI’s dismissal of the case against Chola MS General Insurance and the Central Bank of India demonstrates the commission’s commitment to promoting fair competition and protecting consumers’ interests.

In today’s fast-paced business environment, it is essential for companies to stay ahead of regulatory changes and anticipate potential risks. This can be achieved by staying informed about the latest developments in antitrust, mergers and acquisitions, trade, data privacy, and security. By doing so, businesses can ensure that they are compliant with regulatory requirements and mitigate potential risks. The use of specialized news and analysis services can provide companies with the insights they need to navigate the complex regulatory landscape and make informed decisions.

Cholamandalam MS General Insurance (Chola MS) has launched a new digital campaign, #SimpleHai, aimed at changing the way Indians perceive insurance. The campaign focuses on simplifying the complex world of insurance, making it more accessible and understandable for consumers. Through a series of short films, Chola MS uses relatable everyday moments to show how insurance can be seamless, transparent, and digitally accessible.

The campaign includes a hero brand film and two motor insurance-specific films, which use humor and emotionally engaging storytelling to highlight the simplicity of getting insured with Chola MS. The films contrast the complexities of life with the ease of insurance, emphasizing that while life can be unpredictable, insurance doesn’t have to be. The campaign is built around Chola MS’s T3 philosophy – Trust, Transparency, and Technology – which reflects its commitment to a digital-first customer experience.

The brand highlights features such as easy policy issuance, AI-enabled claims settlement, customizable coverage, and a robust garage network across India. The campaign also showcases instant policy renewal through WhatsApp, making it convenient for customers to manage their policies. By delivering a consistent and simplified experience across digital platforms, including YouTube, Meta, and Instagram, the #SimpleHai campaign empowers customers and positions insurance as an everyday ally that provides peace of mind.

The campaign marks a shift from transactional advertising to more human-centered storytelling, making protection more approachable, relevant, and desirable for India’s digitally savvy consumers. With #SimpleHai, Chola MS sets a new standard in insurance marketing, aiming to transform the way consumers perceive insurance in India. The campaign’s objective is to make insurance more accessible and understandable, and to position Chola MS as a reliable and customer-friendly insurance provider. Overall, the #SimpleHai campaign is a significant step towards simplifying the complex world of insurance and making it more appealing to Indian consumers.

Cholamandalam MS General Insurance, a joint venture between the Murugappa Group and Mitsui Sumitomo Insurance Group, has launched a new digital campaign called #SimpleHai. The campaign aims to shift the conversation around insurance from complexity to simplicity, encouraging people to stay insured and protected with confidence. It includes a series of films that use everyday life moments to show how insurance can be simple, transparent, and digitally powered.

The campaign draws inspiration from ordinary moments, transforming them into stories that highlight the simplicity of getting insured with Chola MS. The films use humor, emotion, and relatability to convey the message that while life may be complicated, insurance doesn’t have to be. At the heart of the campaign is the T3 philosophy, which stands for Trust, Transparency, and Technology.

Chola MS’s #SimpleHai campaign demonstrates how digital innovation makes insurance effortless, allowing customers to buy policies in just three simple steps, settle claims seamlessly with AI-powered support, and access a wide range of services. The campaign is released across digital platforms, including YouTube, Meta, and Instagram, and aims to engage audiences with simple, human, and memorable stories.

The #SimpleHai campaign sets a new benchmark for insurance advertising, making protection not only simple but also desirable. It moves beyond transactional communication, positioning insurance as a trusted enabler of peace of mind in everyday life. By emphasizing the simplicity and transparency of insurance, Chola MS encourages people to take control of their protection and stay insured with confidence.

The campaign is a significant shift from the traditional perception of insurance as complicated and cumbersome. By using everyday life moments and humor, Chola MS makes insurance more relatable and accessible to a wider audience. The #SimpleHai campaign is a testament to Chola MS’s commitment to making insurance simple, transparent, and digitally powered, and it is expected to resonate with audiences across India.