Chola MS General Insurance Company Limited is a Joint Venture between the Murugappa Group and Mitsui Sumitomo Insurance Company Limited, Japan. Chola MS offers a wide range of insurance products that include Motor, Health, Property, Accident, Engineering, Liability, Marine, Travel and Crop insurance for individuals and corporates. In FY 2021-22, the company achieved a Gross Written Premium (GWP) of INR 48,338 million. Chola MS currently has 157 branches and over 50,000 intermediaries across the country. Chola MS champions a brand philosophy called T3, which stands for Trust, Transparency, and Technology. It has also been consistently recognised and awarded by the Government of India, international entities and ratings agencies for its insurance service and delivery innovations.