Hello Anand, thanks for reaching out. You may select from a selection of health insurance products from several insurers on our website, including:
1. Individual health plans suited to a single person
2. Family floater health plans provide coverage for your complete family under a single plan.
3. Critical illness insurance policies (usually available as add-on covers)
4. Policies specific to Corona
There are also schemes designed specifically for senior citizens.

However, do note most comprehensive health insurance policies (individual or family floater) provide cashless coverage across network hospitals, cover COVID-19 treatment costs, and are available with no co-pay for people up to 60 years of age with no pre-existing diseases.

While some features may differ from plan to plan, some key terms and conditions for nearly all comprehensive health policies include:
1. All pre-existing diseases have to be declared at the time of submitting the proposal form to avoid rejection of claims in the future
2. The insurer may require you to go through tele- or physical medical tests based on your age and health condition
3. Across all health insurance policies, you will be required to serve specific waiting periods (when you cannot claim treatment for specified diseases). The waiting periods may differ slightly across plans.

You can find out more features and benefits of health insurance and also check-out various policies here: Health Insurance

Hello Avinash, thanks for writing in. Health insurance policies have different waiting periods for different types of claims. Overall, there is a waiting period of 1 month for any claim except for accidental cases (if covered under your policy). For specific diseases such as hernia, ENT ailments, and osteoporosis, there is a waiting period of 1-2 years (as mentioned in your policy terms). If you have declared any pre-existing diseases such as diabetes, high blood pressure, etc., there is a waiting period of 1 to 4 years (based on your policy terms) to claim treatment for those diseases. In plans that cover maternity benefits, typically, there is a waiting period of 9 months to 3 years before a maternity claim can be made.

Please visit here to find more information about the waiting period.