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On waiting period for illness

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22 Dec, 2021 by  Prakash

I see this clause under "Specified disease/procedure waiting period " The mentioned witing period is 24 months here. It appears all providers have this clause

  1. The waiting period for listed conditions shall apply even if contracted after the Policy or declared and accepted without a specific exclusion.

My question -

1) Is this only for the first 24 months of continuous policy issuance? or for each condition i will have to wait for 24 months before making any claim?

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Health Insurance

1 Answer

22 Dec, 2021
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Dear Mr.Prakash,

Health Insurance Companies have a specific list of around 25-30 (approximate) such medical conditions & procedures for which this waiting period of 24 months is applicable. Once the member has completed 24 months of continuity in the policy, eligibility for making claims for all of these conditions will commence. Hence no need to wait for 24 months between one claim to the other.

However if any of these conditions listed is a pre-existing disease before getting into the policy, one must declare the same before purchasing the respective health insurance plan. Most insurance companies in such scenarios will define a waiting period of 3 to 4 Yrs instead of the regular 24 months. Declaring such details of the existing or past medical conditions (if any) is mandatory.

Do let us know if your query has been addressed.

Best Wishes,

Satish Kumar H

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22 Dec, 2021
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