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/Pre-Existing Disease (PED) Waiting Period
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What is Pre-Existing Disease (PED) Waiting Period in health insurance?
If you already had a health condition (like diabetes, high blood pressure, or thyroid problems) before buying this policy, you must wait a set period before those conditions are covered. A shorter waiting period is strongly preferable - especially if you are managing a chronic condition today.
Also called: PED waiting period · pre-existing condition waiting period · waiting period for an existing illness
Star Health
Super Star
StandardCommonly Missed
An illness you already have when you buy this policy is not paid for until 36 months of continuous cover are complete. At the first purchase you can pay extra to cut that wait to 24 or 12 months. A separate optional cover, Quick Shield, starts cover on the 31st day for five named conditions.
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Watch out
After 36 months a pre-existing condition is covered only if it is declared when you apply and accepted by the insurer.
HDFC ERGO
Optima Restore
StandardCommonly Missed
A condition you already have when the policy starts is not covered for the first 36 months of continuous cover. The clock runs from your first policy with this insurer, not from each renewal.
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Watch out
After 36 months, only a condition you declare when applying and the insurer accepts is paid. Nothing in either document sells an option to shorten this wait.
Star Health
Star Comprehensive
StandardCommonly Missed
Anything a doctor diagnosed, advised or treated in the 36 months before your policy starts counts as pre-existing, and this policy pays nothing for it until you complete 36 months of continuous cover. You can buy that wait down to 12 months for extra premium, but only at your first purchase.
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Watch out
The buy-back needs a pre-acceptance medical test at a Star-nominated centre, and it is closed at renewal and closed if you ported in from another insurer. Even after 36 months, a pre-existing condition is paid only if you declared it in your application and the Company accepted it.
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