• Medical expenses for Hospitalisation and listed Daycare Procedures
• Pre-Hospitalisation expenses upto 30/60 days prior to admission
• Post-Hospitalisation expenses upto 60/90 days from the date of discharge
• Coverage for AYUSH treatment

• Child Hospitalization Allowance
• Outpatient Dental/Specs/Contact Lens/Hearing Aids
• Extended Hospitalisation Allowance
• Double Sum Insured for Accidents and Critical Illnesses

*Coverage may vary as per the plan chosen

• Initial Waiting Period - 30 days for all illness (not applicable on renewal and for accidents)
• Two Year Exclusion - Expenses incurred on treatment of following diseases within the first 2 years from the commencement of the Policy will not be admissible: Congenital Internal Anomaly, 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, Joint replacement Surgery unless because of accident.

• War or any act of war, invasion, acts of foreign enemies, hostilities whether are be declared or not, civil war, revolution, insurrection, mutiny, martial law
• Any Insured Person committing or attempting to commit a breach of law with criminal intent or intentional self-injury or attempted suicide whether sane or insane
• Vaccination or inoculation unless forming a part of post-animal bite treatment

Note: the above is a partial listing of the policy exclusions. Please refer to the policy wordings for full listing

• Cancer of Specified Severity
• Stroke Resulting in Permanent Symptoms
• Myocardial Infarction

• Cancer of Specified Severity
• Stroke Resulting in Permanent Symptoms
• Myocardial Infarction
• Parkinson's disease
• Motor Neuron Disease with Permanent Symptoms

• Any Critical Illness arising due to any pre-existing disease
• Any Critical Illness diagnosed within the first 90 days from the date of commencement of the Policy
• Intentional self Injury and / or the use or misuse of intoxicating drugs and / or alcohol

The above is partial listing of the policy exclusions. Please refer to policy wordings for detailed list of exclusions

• Inpatient Hospitalisation charges incurred towards
• Room and Boarding
• ICU Charges
• Doctor's Fees
• Nursing Charges
• Surgery, anaesthesia and oxygen charges
• Organ Donor Expenses
• Expenses incurred towards Emergency Ambulance
• Hospitalisation of less than 24 hours for 141 day care procedures listed in the policy
• Domiciliary Hospitalisation Expenses
• Coverage for Non-Allopathic Treatments: Inpatient Hospitalisation Coverage for AYUSH Treatments
• Pre-Hospitalisation Expenses: Related medical expenses incurred upto 60 days prior to date of admission under Supreme Plan
• Post-Hospitalisation Expenses: Related medical expenses incurred upto 90 days from date of discharge under Supreme Plan

• Day one Coverage for Accidents. However, this policy is subject to a waiting period of 30 days for claims due to illness.
• The following disease will not be covered during the first year of inception of the policy: Congenital Internal Anomaly,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.
• Pre-existing diseases/conditions will be covered after a waiting period of 36 months under Supreme Plan and 48 months under Premiere from first policy start date

• Congenital anomaly/illness/diseases/condition which are external
• Intentional self-injury and use of intoxicating drugs/alcohol
• Expenses arising from HIV or AIDS and related conditions
• Weight Control programs
• Unproven/experimental treatment

Note: the above is a partial listing of the policy exclusions. Please refer to the policy wordings for full listing

• Hospital Daily Cash Benefit
• Double Benefit in case of ICU Hospitalisation
• Convalescence Benefit – Lumpsum benefit after 20 continuous days of hospitalisation
• Family Discount – 5% discount for covering 2 members and 10% discount for covering more than 2 members in the same policy.

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.