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.
- Following diseases are excluded during the first two years of inception of policy with the Insurer 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 and Duodenal Ulcer, any type Of Benign Cyst / Nodules / Polyps / Tumours / Breast Lumps, Intervertebral Disc prolapse a Degenerative Disc/VertebraI Disorders, Cataract, Benign Prostatic Hypertrophy, Myomectomy, Hysterectomy unless because of malignancy, Dilation 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 per pre-existing exclusion clause under the policy
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