1800-200-5544 (Accessible from India only)

9144-3098 5300 (For Abroad Customers)


What Chola Super Topup Insurance does not cover

Time bound Exclusions:

  • 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

Other important General Exclusions:

  • 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


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