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/30-Day Initial Waiting Period
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Pick a coverage concern and see its exact policy terms, compared side-by-side across top Indian health insurance plans.
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Step 3Plan Comparison
What is 30-Day Initial Waiting Period in health insurance?
For the first 30 days after you buy your policy, only accident-related hospitalisation is covered. No illness claims are accepted during this window. Your policy is not fully active for illness from Day 1 - it is important to know this.
Star Health
Super Star
Standard
For the first 30 days after the policy starts, only accident hospitalisation is paid. An illness claim in that window is not covered.
Coverage detailstap any row to understand it
HDFC ERGO
Optima Restore
Standard
For the first 30 days of your first policy, illness claims are not paid; accident claims are paid from day one.
Coverage detailstap any row to understand it
Watch out
The 30 days run from the first policy commencement date, not from each renewal, so an unbroken renewal does not start a fresh wait.
Star Health
Star Comprehensive
Standard
For the first 30 days after your first policy starts, this policy pays nothing for illness. Accident hospitalisation is covered from day one.
Coverage detailstap any row to understand it
Watch out
The 30 days count from the first policy commencement date, not from each renewal, so you do not serve this again every year. There is no rider that shortens it.
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Or read a full head-to-headSuper Star vs Optima RestoreSuper Star vs Star ComprehensiveOptima Restore vs Star Comprehensive
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