Group Health Insurance
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Whom do you want to insure?

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Waiting Period In Group Health Insurance

The waiting period in a group health insurance policy can be a little complex to understand. If you have recently decided to purchase a group health insurance plan then keep on reading to clear out any kind of doubt related to the waiting period in group health insurance policy.

Group Health Insurance Waiting Period

The concept of a waiting period in a group health insurance refers to the period of time a policyholder has to wait before getting coverage for specified ailments in the insurance policy documents. The waiting period in a group health insurance is usually 30 to 90 days however it depends on the insurance company and its specified terms and conditions and it can also be waived off since you are covered under a group health plan.

Apart from this, there is one other thing called pre-existing disease coverage. Let us tell you about it and how it works under a group health insurance policy.

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Waiting Period for Pre–Existing Diseases

When you join a company and the employer provides group health insurance coverage, there is a waiting period that you have to serve before getting coverage for specified pre-existing diseases. The waiting period for pre-existing diseases is usually 4 years. Once the waiting period is over, the insurer cannot deny providing coverage for those specified pre-existing diseases.

How Does It work?

While purchasing the group health insurance plan, the buyer has to tell about the pre-existing diseases they are suffering from such as diabetes, thyroid, etc. After that, it depends on the insurer whether they would grant cover for that pre-existing disease or not.

Once they decide on providing coverage for a particular pre-existing disease, they will then force 4 years waiting period. This means that the policyholder has to serve the 4 years waiting period to get coverage for any particular pre-existing disease.

However, there are some specific diseases for which the waiting period is 1 to 2 years such as ENT disorders, hernia, etc. Talking about maternity cover, the waiting period for this is 9 months to 3 years but it can also be removed so that the insured can get coverage starting from the 1st day.

Moving on, let us tell you about other types of waiting periods under a health insurance policy.

Reduction Of Waiting Period

Usually, if you are covered under a group insurance plan provided by your employer, the insurance companies do not make you serve the waiting period. As per the guidelines of the Insurance Regulatory & Development Authority of India, if the employee while leaving the company converts the group health plan into an individual health plan, then they will not have to serve the waiting period.

Group Health Insurance Various Waiting Periods

The advantage of group health insurance policy is that the waiting period can be waived off. Here are some of the waiting periods that you should about and how they are implicated?

9 Months Waiting Period

The insurer that offers maternity benefits under their group health insurance plans, the policyholder has to serve a 9-month waiting period before raising a claim. If the company wants then this waiting period can be waived off eventually providing coverage from day 1.

1 Year Waiting Period

The group health insurance provided by the insurance companies usually excludes high incidence diseases such as Gallbladder, Cataract, Kidney stones, etc. It varies from insurer to insurer and the insured has to serve a 1-year waiting period before raising a claim. However, if the company wants the waiting period can be waived off.

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Policybazaar for Business - Ghi Waitingperiod Insurance - Customer Reviews
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4.4/5
Based on 189 reviews
4.4
out of 5
Based on 189 reviews
38 users
136 users
15 users
0 users
0 users
3.8 April 09, 2023
Mansi
Excellent Support
It was easy to buy insurance from PolicyBazaar website and customer support was also amazing to clear all the doubts.Thankyou. Highly worth it.
Dehradun
4.3 April 01, 2023
Mahesh
Necessary Investment
It is a good and necessary investment. Thanks PB.
Lucknow
4.3 March 24, 2023
Surya
Provides Satisfactory Results
I purchased Group health insurance at policybazaar recently and i am so much satisfied with the plan. The application process was smooth and efficient, making the typically tedious task of getting insurance surprisingly hassle-free.Thanks PB.
Bareilly
3.8 March 16, 2023
Naveen
Helpful In Making Decisions
When it came to selcting the right Group Health Insurance, Policybazaar offered an impressive range of options from reputable insurers. I appreciated the comprehensive details avalable for each policy which helped me to take the better decisions. Thankyou.
Delhi
4.3 March 15, 2023
Rajesh
Increases Clients Expectations
I recently had the pleasure of securing a Group Health Insurance policy throug PolicyBazaar and I must say the Entire process exceeded my expectations! From start to finish, their service werw great. Thankyou.
Delhi
3.8 March 02, 2023
Ravi
Great Experience
I got great deals on PolicyBazaar website. Highly recommend.
Pune
4.3 February 17, 2023
Diljeet
Excellent Purchase
It was a excellent purchase at PolicyBazaaar. Thankyou team.
Coimbatore
4.3 February 04, 2023
Satya
Prompt Services
Policybazaar's efficient claims process was impressive. In case of any medical emergencies, my employees were able to get their claims settled swiftly, allowing them to focus on their health and recovery without worrying about financial aspects.Thankyou
Chennai
4.3 January 22, 2023
Abhishek
Budget Friendly Purchase
Thankyou PolicyBazaar for providing such a great plan at affordable premium rates. It was a budget-freindly purchase.
Delhi
4.3 January 09, 2023
Abhash
Multiple Range Of Benefits
I purchased Group health Insurance which offered me plans with affordable rates Thankyou PB.
Pune

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  • Disclaimers+

    *Savings of 65% are based on the comparison between the highest and lowest premiums provided by different insurance companies for Rs 5 lakh cover for 50 employees falling in the age group ranging between 19-55 years with room rent limits of 1% and 2% of sum insured for normal and ICU rooms respectively and does not include PED and maternity coverage. Premium starting from
    +₹110/Employee/Month for ₹1 Lac Sum Insured covering Health & Wellness Needs (excluding GST), Premium may vary on the basis of coverage type & add-ons, All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
    By clicking on "View Plans Instantly" you agree to our Privacy Policy and Terms Of Use and also provide us a formal mandate to represent you to the insurer and communicate to you the grant of a cover.
    The details of insurance coverage, inclusions and exclusions are subject to change as per solutions offered by insurance providers. The content has been curated based on the general practices in the industry. Policybazaar is not responsible for the factual correctness of these details.

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