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Chola MS Individual Health Insurance

Please Note: Dear Customers, We wish to bring to your kind notice that `Individual Health Insurance’ has been withdrawn with necessary approvals of IRDA (Insurance Regulatory and Development Authority) with effect from 31/12/2014. However, coverage under your existing Policy shall continue till the expiry date of your Policy.

A suitable alternate product `Chola Classic Health – individual’ shall be available to you on renewal with wider coverage and better benefits. The continuity benefits and cumulative bonus (if applicable) available under your existing policy shall be transferred to the alternate product on renewal.

You are welcome to call us for any further details about the alternate product on our Toll Free No. at 1800 200 5544.

  • Any illness diagnosed or diagnosable within 30 days of the effective date of the policy period will not be payable, if this is your firstIndividual Health Policy with Chola MS. This condition is also ruled out at the time of renewal, in respect of the limit of indemnity enjoyed in the previous year. This exclusion will however apply for the increased limit of indemnity, if any.
  • Expenses arising out of medical conditions like Cataracts, Benign Prostatic Hypertrophy, Hysterectomy for Menorrhagia or Fibromyoma, Hernia, Hydrocele, Fistula in anus, Piles, internal congenital disease, Sinusitis and related disorders.
  • Expenses for Pre-Existing Conditions will not be payable until 48 consecutive months of policy have elapsed, since inception of the first policy with the insurer. Pre-Existing Condition refers to any condition, ailment or injury or related condition(s) for which you have shown signs or symptoms, and/or received medical advice / treatment, within 48 months prior to your first policy with Chola MS.
  • War, radioactivity, pregnancy and related illnesses, HIV and related conditions, travel expenses, vaccination, dental expenses, cosmetic treatment expenses, obesity, beauty treatment etc.

The above is only an indicative list of major exclusions. Please refer to the Policy Wordings for the complete list of coverages, exclusions and terms and conditions of the policy.