Prepare the flan: Start by following the instructions on the flan package and allow it to cool once ready.
Form the layers: Lightly soak the Maria cookies in warm milk. Arrange them in a removable mold, forming a layer. Pour a layer of prepared flan over the cookies. Repeat until all components are used.
Make the ganache: In a saucepan, heat the milk cream until simmering. Remove from heat and mix in the chopped chocolate. Stir until you achieve a smooth, velvety ganache.
Pour the ganache: Carefully pour the ganache over the final layer of cookies, ensuring an even spread. Decorate the top with chocolate chips for an extra touch.
Refrigerate: For the best results, allow it to chill in the refrigerator for at least 4 hours, or overnight if you can wait! This will help the layers meld together beautifully.