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Difference between Survival Period and Waiting Period in Health Insurance

What is a Waiting Period?

What is a Survival Period?


Survival Period

Waiting Period

What does it apply to?

Applies to critical illness policies

Applies to all health insurance policies (including critical illness insurance plans)

What is it?

It is the duration that you need to survive after you have been diagnosed with a critical disease before you can get the monetary benefit

It is the time you need to wait before you can make a claim for some or all benefits of the health insurance

How long is this period?

The survival period can last anywhere between 14 to 90 days

There is an initial waiting period of 30 days as well as waiting periods of 2-4 years for pre-existing or specific conditions.

What will this duration depend on?

The survival period will depend on the critical illness and the insurer

The waiting period will depend on the disease and the insurer

In conclusion, while both the waiting period and survival period are there to keep an insurance company safe from unwanted risks, they are not the same.

While all health insurance plans will have a waiting period, the survival period is only applicable to those suffering from critical illnesses. Additionally, the waiting periods are usually longer than survival periods.

It is important to know what both of these are so that you can make the right choice when it comes to buying health insurance or a critical illness plan. This way, you can choose a plan with a shorter survival period or waiting periods so that you’ll get the policy’s coverage sooner.

Frequently asked questions