1800-200-5544 (Accessible from India only)

9144-3098 5300 (For Abroad Customers)

Gray Arrow Gray Arrow Gray Arrow What it does not cover

What Chola Healthline does not cover

  • A waiting period of 30 days will apply to all claims from the commencement date of the policy except in case of hospitalization caused by accidents. This exclusion does not apply for subsequent renewals with the Company without a break.
  • Expenses incurred on treatment of following diseases within the first 2 years from the commencement of the Policy will not be payable:

    Congenital Internal Diseases, Varicose veins and Varicose Ulcers, Rheumatism and arthritis of any kind, Treatment of diseases on ears/ tonsils /adenoids/ paranasal sinuses / Deviated Nasal Septum, Stones in the Urinary and Biliary systems, Gastric or Duodenal Ulcer, Any type of benign Cyst/ Nodules/ Polpys/ Tumours/ Breast Lumps, Intervertebral Disc Prolapse, and Degenerative Disc / vertebral Disorders, Cataract, Benign Prostatic Hypertrophy, Myomectomy, Hysterectomy unless because of malignancy, Dilatation and curettage (D&C) Anal Fistula, Fissure and Piles, All types of Hernia, Hydrocele, Chronic Renal Failure and Joint replacement Surgery unless because of accident.

    If these disease are pre-existing at the time of proposal, the same will be considered under the policy as exclusion 3 below. Waiting period of 2 years will not be applicable if hospitalization is caused directly due to an accident during policy period.
  • Pre-Existing Disease (PED): Benefits will not be available for any pre-existing condition(s) as defined in the policy, until 48 consecutive months of continuous coverage have elapsed, since inception of the first policy with us.

Refer policy wordings for detailed list of exclusions

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