Fewer Waiting Periods with Group Health Insurance

Usually, there is no waiting period in the group health insurance policy. However, it may vary from insurer to insurer, and based on the type of disease. The waiting period for group health insurance can be completely waived off and differ from individual health insurance. Know all about the waiting period for group health insurance in the below article.

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Waiting Period in Group Health Insurance

The waiting period is a self-explanatory term, where you have to wait for some time before you can avail any benefits.This waiting period is pre-decided by the insurer as per the type of disease or health conditions.

Moreover, the waiting period is calculated from the day when you bought the policy. If you raise any claim before the waiting period has ended, your insurer denies the request.

Meaning of Fewer Waiting Periods in Group Health Insurance

There are different types of waiting periods in an individual health insurance plan. The most significant advantage of group health insurance is that this waiting period can be waived off. Let's have a look at the waiting period for a group medical insurance policy-

  1. Initial Waiting Period

    As a standard in the insurance industry, all health insurance policies must have a waiting period of 30 days. Under this, you cannot raise a claim for one month after the policy is into effect. Here the insurer will ensure that you do not utilise insurance for a planned surgery.

    During this initial waiting period, the insurer can provide compensation for accidents and emergency hospitalisation. However, in group insurance, the initial waiting period is completely waived off.

  2. Pre-existing Disease Waiting Period

    As per the guidelines of the IRDAI, pre-existing disease refers to that has been diagnosed up to 48 hours before buying the health insurance policy.

    Some common types of the pre-existing disease include thyroid, hypertension, diabetes, etc. In such a case, you have to serve for 1-4 years before getting covered for any of the specified pre-existing diseases.

    When you have a group insurance policy, the insurer provides hospitalisation coverage for all the pre-existing diseases, conditions, injuries, or ailments from day one.

  3. Specific Disease Waiting Period

    Different diseases like ENT, hernia, osteoporosis, tumor, disorder, etc., come with a specific waiting period in health insurance. Under this, you have to wait for usually 1-4 years.

    However, the waiting period and the ailments may vary from insurer to insurer, therefore, it is recommended to read the policy wordings carefully. One of the group health insurance benefits is that limited ailments need no waiting period for raising claims.

  4. Waiting Period for Maternity Expenses

    In individual health insurance policies, you have an option to add maternity expenses and new baby cover as an add-on cover. Usually, the policyholder has to serve a waiting period of 9 months before claiming. In group insurance waiting period can be waived off by providing the coverage from the date of purchase.

    In group health insurance, the waiting period depends on the terms and conditions of the insurers. However, you can easily waive this waiting period.


With so many benefits associated, investing in a group health insurance policy seems like a wise decision. Also, offering adequate coverage to your employees will help them in contributing toward organisational goals.You can visit the official website of Policybazaar Insurance Brokers Private Limited to find a suitable group insurance plan as per the need and budget of your company.

Written By: PolicyBazaar - Updated: 05 August 2022

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Policybazaar for Business - Group Health Insurance - Customer Reviews
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Based on 189 reviews
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3.8 April 09, 2023
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.
4.3 April 01, 2023
Necessary Investment
It is a good and necessary investment. Thanks PB.
4.3 March 24, 2023
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.
3.8 March 16, 2023
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.
4.3 March 15, 2023
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.
3.8 March 02, 2023
Great Experience
I got great deals on PolicyBazaar website. Highly recommend.
4.3 February 17, 2023
Excellent Purchase
It was a excellent purchase at PolicyBazaaar. Thankyou team.
4.3 February 04, 2023
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
4.3 January 22, 2023
Budget Friendly Purchase
Thankyou PolicyBazaar for providing such a great plan at affordable premium rates. It was a budget-freindly purchase.
4.3 January 09, 2023
Multiple Range Of Benefits
I purchased Group health Insurance which offered me plans with affordable rates Thankyou PB.