Star Health Insurance Waiting Period for Pre-existing Diseases

Pre-existing diseases are long-term illnesses that are costly to treat. No wonder health insurance companies cover these diseases after a waiting period and Star Health & Allied Insurance Company is no different. Interestingly, the insurer covers pre-existing diseases from day 1 or after 4 years, depending on the plan. Know everything about Star Health Insurance waiting period for pre-existing diseases.

Read More

Policybazaar exclusive benefits
30 minutes claim support##
(In 120+ cities)
Relationship manager
For every customer
24*7 claims assistance
In 30 mins. guaranteed*
Instant policy issuance
No medical tests~
People trust Policybazaar^
6.7 crore
Registered consumers
Insurance partners
3.4 crore
Policies sold
Policybazaar is one of India's leading digital insurance platform


Find affordable plans with up to 25% Discount**

Select members you want to insure

  • More Members
  • Back
    By clicking on “Continue”, you agree to our Privacy Policy and Terms of use
    Maximum child sum can be 4
    This will help us calculate the premium & discounts for your family
    Previous step
    This will help us to find the network of Cashless Hospitals in your city

      Popular Cities

      Previous step
      Get to plans directly next time you visit us
      Please provide your active international number
      Previous step
      We will find you the plans that cover your condition.

      Do any member(s) have any existing illnesses for which they take regular medication?

      Get updates on WhatsApp

      Previous step

      When did you recover from Covid-19?

      Some plans are available only after a certain time

      Previous step
      Advantages of
      entering a valid number
      You save time, money and effort,
      Our experts will help you choose the right plan in less than 20 minutes & save you upto 80% on your premium
      Advantages of entering an International Number
      Prompt connectivity
      Find the right plan in under 20 minutes
      Get best discounts
      Ensure smooth issuance

      What is the Pre-existing Disease Waiting Period?

      Pre-existing disease waiting period or cooling period is the time period during which you cannot file a claim for any pre-existing disease (PED). A disease is considered pre-existing if the insured person was diagnosed, operated or had shown symptoms for up to 48 months before purchasing the policy. Star Health & Allied Insurance Company will be liable to pay for the treatment of your pre-existing diseases only after your PED waiting period is over.

      Some of the most common pre-existing diseases among Indians are high blood pressure, asthma, thyroid problems, diabetes, etc.

      You can also read: Pre-existing Disease in a Health Insurance Plan

      Pre-existing Disease Waiting Period for Different Star Health Insurance Plans

      The waiting period to cover pre-existing diseases by Star Health Insurance plans varies from 1 to 4 years. However, you can get immediate Day 1 coverage for pre-existing diseases under the Star Diabetes Safe Insurance plan. Additionally, if you opt for the Star Health Comprehensive policy, you can reduce the PED waiting period from 36 months to 12 months by purchasing the Buy Back Pre-existing Disease add-on cover.

      Here are the pre-existing disease waiting periods for different Star health insurance plans:

      Star Health Insurance Plans Pre-existing Diseases Waiting Periods
      Star Health Comprehensive Plan 36 months
      Star’s Diabetes Safe Insurance Plan 48 months (For Section 2 and Section 4 of Plan A & Plan B)
      Senior Citizens Red Carpet Health Insurance Plan 12 months
      Young Star Insurance Plan 12 months
      Star Health Assure Insurance Plan 30 months (For a 3-year policy)
      36 months (For a 2-year policy)
      Star Super Surplus Insurance Plan 36 months (For Silver plan)
      12 months (For Gold plan)
      Star Family Health Optima Insurance Plan 48 months
      Star Critical Illness Multipay Insurance Plan 48 months
      Star Medi Classic Insurance Plan 48 months
      Star Special Care Gold Plan 48 months
      90 days (For HIV/AIDS)
      24 months (For disability cover)
      Star Cardiac Care Insurance Plan – Platinum 48 months
      Star Cancer Care Platinum Insurance Plan 30 months
      Star Special Care Plan 48 months
      Star Cardiac Care Insurance Plan 48 months (For Section 1)
      90 days (For Section 2)
      Star Health Premier Insurance Plan 24 months
      Star Out Patient Care Insurance Plan 48 months (For Silver plan)
      24 months (For Gold plan)
      12 months (For Platinum plan)
      Star Micro Rural and Farmers Care Plan 6 months
      Star Health Gain Insurance Plan 48 months
      Star Women Care Insurance Plan 24 months
      Star Net Plus Insurance Plan 48 months
      Star Hospital Cash Insurance Plan 36 months (For Basic plan)

      24 months (For Enhanced plan)

      Why Should You Choose Lower PED Waiting Periods with Star Health Insurance?

      Here are the top reasons to choose Star Health Insurance plans with a lower waiting period for pre-existing diseases:

      1. Immediate Coverage

        A lower waiting period means coverage for your pre-existing condition begins soon after purchasing your Star health insurance policy. In fact, the Star Diabetes Insurance plan covers pre-existing diseases from day 1 of the policy. Thus, it ensures that you can avail of necessary medical treatments for your pre-existing diseases without significant delays or financial strain.

      2. Timely Access to Healthcare

        With a lower PED waiting period, you can get the right treatment at the right time. It provides you with timely access to healthcare during a medical emergency arising out of your pre-existing condition without worrying about hospital bills. This allows you to seek medical attention, consultations, and treatments as soon as you require them without waiting for an extended period.

      3. Reduced Out-of-Pocket Expenses

        Opting for a lower PED waiting period can reduce your out-of-pocket expenses resulting from the treatment and medications for your pre-existing condition. This is because Star Health & Allied Insurance pays for your medical bills earlier with a lower waiting period and, in turn, mitigates the financial burden on you.

      Things to Keep in Mind While Choosing a PED Waiting Period for Star Health Insurance Plans

      You must remember the following things while choosing the pre-existing disease waiting period for a Star Health Insurance plan:

      1. Disclose Your Pre-existing Disease to the Insurer

        According to data analyzed by Policybazaar, around 25% of health insurance claims are rejected due to policyholders failing to disclose their pre-existing conditions at the time of purchasing the policy. This is because health insurance contracts are based on trust and the insurer expects you to disclose your medical conditions honestly to get medical coverage when required. If you have not disclosed your pre-existing condition while buying the policy, Star Health & Allied Insurance Company has the right to reject your claim and even cancel your policy.

      2. Get an Advantage over Pre-existing Conditions.

        Long-term illnesses usually surface with age and are common among elderly people. The chances of getting diagnosed with a lifestyle disease are lower in your 20s than in your 40s. Purchasing a Star health insurance plan at a young age ensures that your PED waiting period is fulfilled while you are still in good health. As a result, you will get the right to immediate insurance claims. And when you do get a long-term disease in the older years, Star Health & Allied Insurance Company will be liable to pay your claims immediately.

      3. Read the Terms and Conditions Carefully

        Before choosing a Star health insurance plan, it is crucial to go through the terms and conditions of different plans carefully. Doing so will ensure that you are aware of the waiting periods for pre-existing diseases beforehand and there are no surprises later. Not knowing about your PED waiting periods can lead to claim rejection.

      Summing It Up

      Being diagnosed with any long-term illness can put you in emotional and financial turmoil. This is why it is important to check the waiting period for pre-existing diseases while buying a Star Health Insurance policy and avoid any claim rejection in the future. Moreover, make sure to choose a health policy with day 1 coverage or a minimum waiting period so that your pre-existing diseases are covered by the insurer as soon as possible.

      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

      Health insurance Articles

      • Recent Article
      • Popular Articles
      17 Jul 2024

      Does Care Health Insurance Cover Dengue...

      Every year, we look forward to the monsoon to escape the heat, but

      Read more
      16 Jul 2024

      Does ICICI Lombard Health Insurance Cover Dengue...

      As the monsoon season arrives, the risk of vector-borne diseases

      Read more
      15 Jul 2024

      Does Star Health Insurance Cover Dengue...

      In India, the high incidence of vector-borne diseases like dengue

      Read more
      01 Jul 2024

      Surgeries Covered Under ICICI Lombard Health...

      Life can throw unexpected medical emergencies your way, making

      Read more
      27 Jun 2024

      Is LASIK Surgery Covered by ICICI Lombard Health...

      Waking up with a clear vision is a dream for many. LASIK surgery

      Read more

      How to Apply for Ayushman Bharat Pradhan Mantri...

      Ayushman Bharat Yojana is a flagship health insurance scheme launched by the Government of India to offer universal

      Read more

      How Senior Citizens can save Tax with Medical...

      Senior citizens can save on income tax by availing tax benefits on medical expenses under Section 80D of the Income

      Read more

      10 Major Benefits of Ayushman Bharat Yojana

      Pradhan Mantri Jan Arogya Yojana (PM-JAY) is the second component under Ayushman Bharat Scheme. PM Narendra Modi

      Read more

      Best Health Insurance Plans for Senior Citizens

      Senior citizens are the most prone to diseases. Considering the medical inflation in India, buying health insurance

      Read more

      10 New IRDAI Health Insurance Guidelines in 2024

      Health insurance penetration in India is far lower than it should be. A significant chunk of the Indian population

      Read more

      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881. Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. As per the Insurance guidelines, you are allowed to cancel the policy with-in 15 days from the date of Issuance of policy. For more details, please read the Plan Brochure carefully or talk to our advisor at the time of purchase.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:-

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker (Life & General)| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

      Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies

      © Copyright 2008-2024 All Rights Reserved.

      Download the Policybazaar app
      to manage all your insurance needs.