Chola Healthline

Initial Waiting Period: Thirty (30) days for all illnesses (not applicable on renewal and for accidents)

Two Year Exclusion: Expenses incurred on treatment of following diseases within the first two (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 of 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.

If these diseases are pre-existing at the time of proposal, the same will be considered as a pre-existing condition and the applicable waiting period shall apply.

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.

Important Exclusions:
  • War or any act of war, invasion, acts of foreign enemies, hostilities whether they 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
  • Non medical expenses during hospitalisation

Chola Healthline is a comprehensive health insurance policy plan which provides insurance coverage for families on Individual as well as on Floater Sum Insured basis. Get yourself insured today!

You can also choose from our customized health insurance plans -   Critical Illness , Super Topup Plans and Hospital Cash Healthline .

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

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