Press Release
COLORS Tamil’s KODEESWARI, creates history worldwide with its first 1 Crore winner
MUMBAI: Championing the indomitable spirit of women in India, 31 year old Kousalya Kharthika from Madurai, wins the jackpot prize money of Rs. 1 crore on COLORS Tamil’s Kodeeswari. History will be created as Kousalya, the first ever differently abled woman in the world will take home the coveted title, this Tuesday, January 21st at 8 p.m. With this landmark milestone, Kodeeswari establishes itself as a pathbreaking show which fulfils its promise of giving wings to small dreams.
Kousalya Kharthika who resides in Madurai suffers from speech and hearing impairment and communicates through vibrations and lip-reading. Kousalya’s determination and grit has helped her pursue her dreams and overcome obstacles in her life
Commenting on becoming the first winner of Kodeeswari, Kousalya Kharthika said, “I have always depended on my family members for my day-to-day life. But, right from my childhood I have been determined to learn and excel in whatever I do. I truly thank COLORS Tamil for giving me the opportunity to participate in the show and fulfil my dreams. It was an exhilarating experience being on the hot seat with Radikaa Ma’am who made me extremely comfortable. I am more than honoured to be part of this iconic game show and equally proud to tell the world that ‘I am now a Kodeeswari’.”
The mother of a 1 year old toddler, Kousalya has triumphed over her disabilities throughout her life, becoming a university topper and going on to secure a B.Sc in Technology, M.Sc in Information Technology and an MBA degree. Today she works as a Junior Assistant at the Principal District Court of Madurai.
Speaking about how the money will be used, she adds, “I first want to do my bit for people in need, especially the Deaf and Dumb school in Nagarkoil where I studied. Additionally, I want to visit either Italy or Switzerland which has always been my dream.”
Expressing his delight on this marquee moment, Viacom18 Regional Entertainment Cluster head Ravish Kumar said, “My heartfelt congratulations to Kousalya for creating such a historical moment for herself, Kodeeswari and broadcast television in entirety. Kodeeswari is a first of its kind platform as a show exclusively for women where they are empowered and encouraged to pursue their dreams no matter how small, no matter what circumstances they come from. Kousalya’s winning moment is therefore a moment of inspiration for so many others who are struggling to fulfil their dreams..”
COLORS Tamil business head Anup Chandrasekharan said, “Kousalya’s victory on Kodeeswari opens up newer avenues for women like her. This is a moment of pride for COLORS Tamil. Kousalya’s win will go on to empower, engage, influence and motivate generations of women to come. What makes it even more special is that Kousalya has created history by being the first female differently-abled winner of the format in the world.”
Commenting on Kausalya becoming the first Kodeeswari, Radikaa Sarathkumar, the Host of Kodeeswari said, “Many congratulations to Kousalya who has created history today with her knowledge and determination. I must say that I am lucky to have met her and experienced her incredible win. Her success is truly an inspiration and will motivate many others. I wish her all the best in life and hope that this achievement helps her make a positive difference in her life.”
Presented by Colgate; powered by Nippon Paint, Arun Excello and RIN; with Kotak Mahindra Bank as the Banking Partner, and Tamil Matrimony App and Helo App as Special Partners, Kodeeswari has been on air since December 23rd, every Mon – Fri 8 pm on COLORS Tamil and Viacom18’s video-on-demand platform VOOT.
Bali is full of memorable moments, and some of them involve animals. Temple monkeys tug at bags, beach dogs nap near sunbeds, and cats wander into cafés like they own the place. Most interactions are harmless, but a bite or scratch can change the day quickly, because you may need immediate medical care and follow-up treatment. This is where Bali travel insurance becomes more than a box to tick.
In this article, you will explore whether animal bite treatment is insured, the exclusions, and the steps to claim easily in Bali.
Why Animal Bites in Bali Need Special Attention
Bites are not only about the visible wound. Insurers and doctors both treat them as medical events that can pose an infection risk, especially when the bite breaks the skin.
A scratch that looks small in the moment can still lead to:
● A doctor’s examination and wound cleaning
● Medicines and dressings
● Follow-up consultations if the doctor advises observation or further care
From an insurance perspective, this matters because claims are usually assessed on medical necessity and documentation, not on how dramatic the injury appears in a photo.
How International Travel Insurance Looks at an Animal Bite
Most travel policies are built around emergency medical expenses for unexpected illness or accidental injury abroad. A bite or scratch usually fits the accidental injury bucket, but coverage is rarely blanket.
In many plans, the following may be considered if a doctor prescribes them and bills and medical notes support them:
● Consultation and outpatient treatment
● Emergency care and procedures, such as wound dressing or stitches, if clinically required
● Prescribed medicines and investigations
● Hospitalisation if the treating doctor confirms it is needed
Common Reasons Claims Get Reduced or Rejected
This is the part travellers often miss. Insurers usually do not deny claims because an animal was involved. Claims become difficult when the event looks avoidable, the reporting is delayed, or the paperwork is weak.
Avoidable-Risk Situations Insurers Scrutinise
Policies commonly exclude or limit claims linked to unsafe conduct or preventable exposure. For animal bites, scrutiny may increase if the incident appears connected to:
● Provoking, feeding, or trying to handle wild animals
● Ignoring warning signs at tourist spots
● Being intoxicated at the time of the incident
● Activities that a policy lists as excluded or restricted
The takeaway is simple: if your own description sounds like a risky choice rather than a sudden accident, the insurer may challenge it.
Delays, Missing Papers, and Policy Conditions
Even when your incident is genuinely accidental, claims can still stall due to basics such as:
● Not informing the insurer or assistance partner within the required time
● Missing itemised bills, prescriptions, or clinical notes
● No proof of travel dates or passport entry details when requested
● Submitting only pharmacy slips without a doctor’s consultation record
International travel insurance is paperwork-driven. If you document it well, you reduce the chance of avoidable back-and-forth.
What to Do If You Are Bitten or Scratched in Bali
Your health comes first, always. But a few sensible steps can protect your recovery and keep your insurance file clean.
Medical Steps That Help You and Your Claim
Act fast, stay calm, and get proper care before worrying about bills.
● Clean the wound promptly and seek medical care, even if it seems minor
● Follow the doctor’s advice, including follow-ups if recommended
● Avoid self-medicating in place of a clinical assessment, because insurers often ask for a doctor’s report
Claim Notes and Documents to Collect
Keep these handy; they’ll save time and avoid follow-up questions later.
● Doctor’s notes that mention the nature of injury, treatment given, and advised next steps
● Prescriptions and pharmacy invoices
● Itemised hospital or clinic bills
● A brief written note of where and when it happened, while it is still fresh in your mind
Final Word
Animal bites in Bali are not rare, and they are not always dramatic, which is exactly why travellers underestimate them. Many travel policies can cover bite-related medical treatment when it is accidental and medically necessary, but the outcome depends on your policy terms and the quality of your documentation. If you buy cover thoughtfully, keep the assistance number handy, and respond sensibly if an incident happens, you give yourself the best chance of both good medical care and a smoother claim experience.
