Waiting periods (PED & initial)

Why some illnesses aren't payable from day one.

Most health policies have an initial waiting period (often ~30 days).

Pre-existing disease (PED) waits commonly run 2–4 years.

Use waiting-period details when comparing suitable cover options, then confirm with the wording/PDS and a licensed advisor before buying.

Disclaimer: This recommendation is for informational purposes only, based on available knowledge-base content and documents in context. We are not an IRDAI-licensed insurer or intermediary. Please compare current quotes, review the latest policy wording/PDS, and confirm suitability with an IRDAI-licensed advisor or insurer before purchase. PDFs are processed in memory and not stored.