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What is considered as PED?

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04 Sep, 2022 by  Viknesh

I am looking to buy Niva Bupa Reassure for my parents (61 & 55) with BP and Diabetes as PED. But my father had a leg fracture ~15 to 20 yrs back which was fixed with a plaster cast. When I enquired about this with the agent, he said that it will be considered as PED as some fractures require a metal rod/plate to be placed and its removal will be covered after 3 years.


Though the fracture my father had was fixed with a cast will it still be considered PED generally or will it be at the discretion of the insurance company on case by case basis?

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PED is anything that existed before you apply for the plan. In your case it will be considered as a PED.



Add to it there may be a specific illness waiting period levied of about 3 yrs, in which case you will have to wait for that much time before making any claims in regsrds to the leg injury.

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06 Sep, 2022
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Hi Viknesh,


Your PED will be BP and Diabetes, and if you wish, by paying an additional premium, you can get it covered from Day 1. (Recommended)

It is a new feature introduced last month, this will waive off the waiting period for PED


No additional loading will be charged


Regarding the fracture, if it has fully recovered, the underwriter may decide it's waiting period

In order to understand more, please schedule a call with us


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06 Sep, 2022
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Hi Viknesh,


Since other community members have already shared their opinion on most points,

I will quickly cover your concern regarding the leg fracture.. this injured leg with the fracture and removal of rod/plate will not be covered. it will be taken as permanent exclusion...we understand that this is a very old condition, but under the standard terms, it is an industry practice to exclude existing conditions.


Hope this explanation helps.


I would still advise you to go ahead and take the policy from niva Bupa as it has added a rider to cover bp/diabetes from day 1 and now the policy is comparable in features to a couple of other players who already had this and service and price points are a key differentiator for niva Bupa.


For more detailed discussion, you may schedule a free one on one session on beshak home page and generate your customised trumatch health insurance report.


Best wishes

Rana Sahib

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07 Sep, 2022
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Dear Viknesh,

It's better to disclose everything before buying a health insurance and whatever problems are disclosed complications will also come under waiting period.


In your father case as it is related to knee 20yrs back if there isn't any metal rod or any major surgery to that leg then it will not come under pre existing disease.



I can help you out with proper plan without loading premium.


Schedule a call with me.


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15 Sep, 2022
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To add to the PED associated with the fracture, it is key that you disclose it. A normal plaster based fracture recovery must not invite any major reaction from the insurers. We have often seen that they don't even consider them as a PED if it was an old issue with no further issues. All would depend upon the after maths of the fracture, any motion issues associated with it. You would know only by getting into the process. Max - even if they consider it as a PED, it will get regularised in thee years.

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