Waiting Period in Health Insurance

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What is Waiting Period in Health Insurance?

Types of Waiting Period in Health Insurance

Different types of the waiting period as applicable under a health policy include:

Initial Waiting Period

A waiting period of 30 days from the date of commencement of the policy exists for all diseases except the accident cases. This waiting period is also known as a cooling-off period. Any hospitalization expenses that you may incur for malaria, dengue, or even heart ailments will not be covered. This condition does not apply to hospitalization due to accidents.

Pre Existing Diseases Waiting Period (PED)

If before taking the health policy you declare that you have some pre-existing diseases like diabetes or high blood pressure, then any hospitalization or treatment that may arise because of this disease will not be admissible until 4 years.

Waiting Period for some listed diseases

Some listed ailments like hernia, osteoporosis, ENT disorders, piles, cataract, spine issues and others have a waiting period of one or two years.

Maternity cover waiting period

For maternity benefits, some insurance companies have a waiting period varying from 9 months to 36 months from the start of the policy.

Permanent Exclusions

Certain illnesses and injuries such as dental procedures, cosmetic procedures, etc are never covered by a policy.

Waiting Period for Infants

There are 90 days waiting period for infants or newborn babies.

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