In the unfortunate event of you or your family members meeting with an illness or accident resulting in hospitalization, our Health Insurance gives you a cash free hospitalization in more than 1400 hospitals across India. Our Health Insurance also reimburses the expenses during Pre- Hospitalization and Post- Hospitalization stages of treatment.

Pre-Hospitalization: Medical expenses incurred 60 days prior to the hospitalization are reimbursed. This is the longest time period offered by any Health Insurance policy in India.

Hospitalization: You will be reimbursed hospitalization expenses like room and board, doctors fees, intensive care unit charges, nursing expenses, surgical fees, operating theatre expenses, anesthesia and oxygen and their administration, physical therapy, drugs and medicines consumed on premises, hospital miscellaneous services (laboratory, x-ray, diagnostic test, etc.), dressing, ordinary splints and plaster casts, costs of prosthetic devices if implanted during a surgical procedure, radiotherapy, chemotherapy, organ transplantation including the treatment costs of the donor but excluding the cost of the organ.

Post-Hospitalization: Once discharged from hospital, the policy shall pay for medical expenses related to the hospitalization, for a period of 90 days after discharge. This is something unmatched by any other Health Insurance policy in India.

Day Care Procedure: The policy covers over 130 minor surgeries that require less than 24 hours hospitalization under our Day Care Procedure. These surgeries ordinarily fall outside the scope of Health Insurance Policies available in the Indian market.Local Ambulance Service: In the event of an emergency, cover is provided for expenses incurred on ambulance services to the nearest hospital where Emergency Health facilities are available. Cholamandalam Health Insurance policy ensures comprehensive coverage by offering value added features, at a nominal increase in premium, like:

General Health and Eye Examination: You will be reimbursed the expenses incurred for general health and eye examination.

Hospital Daily Allowance: In addition to hospital expenses, a daily hospital allowance will be paid during the period of hospital

Diseases, which have been in existence at the time of proposing this insurance.

Illness that commenced during the first 30 days of inception of the first policy.

During the first year of policy, treatment for Cataracts, Benign Prostatic Hypertrophy, Hysterectomy for Menorrhagia or Fibromyoma, Hernia, Hydrocele, Congenital Internal Disease, Fistula in anus, Piles, Sinusitis and related disorders, will not be reimbursed.

Any dental treatment or surgery of a corrective, cosmetic or aesthetic nature, unless it requires hospitalization and is carried out under general anaesthesia and is necessitated by illness or Accidental Bodily injury.

The treatment of obesity (including morbid obesity) and any other weight control programs, services, or supplies.

Diagnostic, X-ray or laboratory examination not incidental to or inconsistent with the diagnosis and treatment of the Illness or Injury for which the Insures was Hospitalized.

Vaccination, inoculation, cosmetic treatments (including any complications arising out of or howsoever attributable to any cosmetic treatments or the placement of an existing breast implant), aesthetic treatments, experimental, investigational or unproven procedures or treatments, devices and pharmacological regimens of any description.

Voluntary medical termination of pregnancy, pregnancy, childbirth and their consequences, including changes in chronic conditions as a result of pregnancy.

Naturopathy treatment.

The Insured's participation in any hazardous activities, including but not limited to scuba diving, motor-racing, parachuting, hang-gliding, rock or mountain climbing, as a member of the armed forces, the paramilitary, the security forces, the fire or ambulance services, lifeboat service, police force and the like, whether part time or full time, voluntary or paid.

Costs incurred in connection with the provision or fitting of hearing aid, eyeglasses or contact lenses.

The use, misuse, or abuse of alcohol, substances or drugs (whether prescribed or not).

HIV, AIDS, all related medical conditions.