Cholamandalam Health Insurance Benefits

Though the above-mentioned coverage benefits make Cholamandalam health insurance quite comprehensive in their scope of coverage, there are instances which are not covered by the plan. These instances are called exclusions and here is a list of common exclusions which are found in all health insurance policies offered by the company

• Illnesses which you suffer at the time of buying the policy. These illnesses are called pre-existing illnesses and they are excluded for a specific period called the waiting period. During this period,any complications due to the illness would not be covered
• Illnesses which occur within 30-60 days of buying the policy are not covered
• Specific illnesses and treatments have a waiting period of two years. During this waiting period, they are not covered
• Any type of self-inflicted injury, deliberate physical harm and/or attempted suicides are not covered
• Injuries or illnesses which occur due to substance abuse, addiction, criminal activities, wars, nuclear perils, etc. are not covered
• Cosmetic treatments and circumcision are not covered
• Dental treatments are usually excluded unless they are specifically covered by the policy
• Cost of lenses, spectacles, hearing aids, etc. are excluded from the scope of coverage
• Mental and congenital diseases and disorders are not covered under Cholamandalam health insurance plans
• Participation in defence activities, hazardous sports and aviation would not be covered