1800-200-5544 (Accessible from India only)

9144-3098 5300 (For Abroad Customers)

Hospital Cash

What Hospital Cash does not cover

Main Exclusions
Given below is a partial listing of exclusions. For complete details, please read policy terms & conditions available in the downloads section)

  • Benefits will not be available for any pre-existing condition(s), until 48 consecutive months of continuous coverage have elapsed, since inception of the first policy with this insurer.
  • Any illness diagnosed or diagnosable within 30 days of the effective date of the policy period if this is the first individual Hospital Cash benefit policy with Chola MS. If you renew the hospital cash benefit policy with the Chola MS, this waiting period of 30 days is however is not applicable. In case of change of plan on renewal, this exclusion will apply in relation to the amount by which the daily benefit limit has been increased due to change of plan.
  • The following diseases are excluded during the first and second year of policy inception.
Illnesses excluded for One year Illnesses excluded for Two years
Cataract, Benign Prostratic Hypertropy, Hysterectomy for Menorrhagia or Fibromyoma, Hernia, Hydrocele, Fistula, Piles, Sinusitis & related disorders, Gall stones. Spondilitis, Spondilosis, Knee / Hip joint replacement, Internal congenital diseases , Osteoarthritis of any joint, Calculus diseases of gall bladder and urogenital, Gastric & duodenal ulcers, Internal Tumours, cysts, nodules, polyps including breast lumps (each of any kind unless malignant), Gout & Rheumatism, ENT disorders & Surgery, Surgery of genito urinary system, Surgery for prolapsed inter vertebral disk, Surgery of varicose veins & varicose ulcers, Surgery on tonsils

If these diseases are pre-existing at the time of proposal, the same will be considered under the policy as per general exclusion number 1 above.

Please refer to the Policy Wordings for the complete coverages, exclusions and
terms and conditions of the policy

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