Are There Health Insurance Plans with No Waiting Period?

If you’ve been looking to buy a medical insurance, you must have come across the term ‘waiting period’. A waiting period is a standard part of almost every health insurance policy in India. However, you can buy a plan with a minimum or no waiting period depending on what your insurer is offering.

Read More

Get ₹5 Lac Health Insurance starts @ ₹200/month*
Tax Benefitup to Rs.75,000
Save up to 12.5%* on 2 Year Payment Plans
7 Lakh+ Happy Customers

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply

Get insured from the comfort of your home No medicals required
I am a

My name is

My number is

By clicking on ‘View Plans’ you, agreed to our Privacy Policy and Terms of use
I am a

My name is

My number is

Select Age

City Living in

    Popular Cities

    Do you have an existing illness or medical history?

    This helps us find plans that cover your condition and avoid claim rejection

    Get updates on WhatsApp

    What is your existing illness?

    Select all that apply

    When did you recover from Covid-19?

    Some plans are available only after a certain time

    What does Waiting Period mean in Health Insurance?

    As is self-explanatory, the waiting period refers to the amount of time you need to wait to avail the benefits of your health insurance policy. This time is calculated from the day when your policy starts and depends on your insurer and different diseases/health conditions as per your policy terms.

    The waiting period is pre-decided for a list of health conditions, type of plan, age, and medical history.  If you file any claim before your waiting period has ended, your insurer will deny it.

    What are the Different Waiting Periods?

    Every health insurance policy has waiting periods that may vary considerably. Given below are the different types of waiting periods in health insurance:

    • Initial Waiting Period: Usually up to 30 days
    • Pre-existing Diseases Waiting Period: Ranges from one to four years
    • Specific Diseases Waiting Period: Ranges from one to four years
    • Waiting Period for Maternity Expenses: Ranges from one to four years

    Other than these waiting periods, certain insurers may have waiting periods for special health conditions, annual health check-ups, etc.

    The duration of these periods depends on many factors such as pre-existing diseases, different health conditions, type of plan opted (individual, floater or group health insurance) and any add-on cover benefits that you may have purchased.

    Are There Any No Waiting Period Health Insurance Plans?

    Most health insurance companies in India have a waiting period clause. There is no waiting period in health insurance only under two circumstances:

    • If you need urgent hospitalisation or care due to an accident or injuries
    • If you have opted for a pre-existing disease add-on that covers you from day 1

    For example, if a person gets into an accident and requires an urgent organ transplant, then it will be covered by their medical insurance plan. Whereas, if they require an organ transplant due to a pre-existing condition then they will need to wait for the stipulated time.

    Similarly, if you have bought a plan which offers coverage for pre-existing diseases then there will be no waiting period in that case. This feature is provided by several insurers and must be bought at an additional cost.

    For all other situations, you need to wait for the standard waiting period to expire before you can file any claims related to those situations.

    Why is there a Waiting Period for Health Insurance?

    A waiting period is helpful in avoiding any false claims by the policyholders. Initially, when health insurance was introduced to people, many policyholders purchased a plan after getting diagnosed with medical conditions.

    Many bought policies once they discovered how expensive their surgeries were. To avoid such situations, many insurers started incorporating waiting period policies to avoid these unethical practices.

    However, many people with pre-existing diseases may be in urgent need of financial assistance but a long waiting period may leave them stranded. In such situations, opting for a PED (pre-existing disease) cover from day one is a good idea.

    For example, if your insurer has a 2 year waiting period for availing maternity benefits, that means you will need to consider the stipulated 2 years waiting period before you start planning.

    Wrapping it Up,

    You can opt for a plan that has less waiting period or lets you opt for an add-on to cover your pre-existing diseases. It is important to select a minimum waiting for health insurance plan so that you can claim benefits for your condition and related expenses. You won't be eligible for any claims until your waiting period expires.

    While there are many insurers who offer a shorter waiting period, it is better to buy health insurance earlier in life so that by the time you may develop any health complications, your waiting period will be over. Buying health insurance when you’re young will let you easily pass all the waiting periods and let you avail all the insurance benefits whenever you need them in the future.

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

    Health insurance articles

    Recent Articles
    Popular Articles
    12 Tips to Avoid Common Health Problems During Summers

    12 May 2022

    India experiences a hot and dry summer season that lasts for up to...
    Read more
    Does Medical Insurance Cover Hearing Aids?

    12 May 2022

    The number of people who require hearing aids continues to grow...
    Read more
    Are Accidental Injuries Covered by Health Insurance in India?

    12 May 2022

    Accidents are unpredictable. Getting injured in an accident not...
    Read more
    6 Most Effective Ways to Prevent Viral Fever

    12 May 2022

    A change in weather can bring respite from the scorching summer...
    Read more
    Does Health Insurance Cover Death?

    06 May 2022

    Life is unpredictable and so is death. A lot of people lose their...
    Read more
    PMJAY Scheme: Ayushman Bharat Yojana Eligibility & Registration Online
    Prime Minister Shri Narendra Modi announced the launch of (PMJAY) Ayushman Bharat Yojana in his Independence...
    Read more
    Best Health Insurance Plans in India 2022
    Finding the best health insurance plan from so many different health insurance companies can get confusing for many...
    Read more
    Best Maternity Insurance Plans
    Maternity insurance offers comprehensive coverage for medical expenses incurred during pregnancy, including the cost...
    Read more
    Best Health Insurance Plans for Senior Citizens in 2022
    Considering the increase in medical inflation in India, buying adequate health insurance for your loved ones has...
    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
    Download the Policybazaar app
    to manage all your insurance needs.