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/Specified Disease Waiting Period
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What is Specified Disease Waiting Period in health insurance?
Even if a condition was not pre-existing, certain common treatments - like cataract surgery, hernia repair, or joint replacement - have a mandatory waiting period before they are covered. This determines when you can actually use your policy for planned procedures.
Star Health
Super Star
StandardCommonly Missed
Fourteen groups of common conditions wait 24 months from the first policy, cataract, hernia, joint replacement, thyroid, gall bladder and kidney stones among them. Accident claims are exempt. At the first purchase you can pay extra to cut the wait to 12 months, and only if you are aged 45 or under.
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Watch out
If a listed condition is also one you already have, the longer of the two waits applies, so the 36-month pre-existing wait takes over.
HDFC ERGO
Optima Restore
StandardCommonly Missed
A named list of everyday conditions and operations - cataract, hernia, piles, kidney stones, gall bladder removal, hysterectomy and joint replacement among them - waits 24 months from the first policy. The wait does not apply to an accident claim, or where the underlying cause is cancer. If a listed condition is also pre-existing, the longer 36-month wait applies.
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Watch out
The 24 months apply even to a listed condition that first appears after the policy starts, and even where it is declared at the start and accepted without a specific exclusion.
Star Health
Star Comprehensive
StandardCommonly Missed
Fourteen groups of common conditions - cataract, hernia, kidney and gallbladder stones, joint replacement, spine and disc disease, piles, varicose veins and all transplants among them - are not paid for the first 24 months of continuous cover, even when the condition is new.
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Watch out
Raise your Sum Insured later and the 24-month wait starts again on the increase, so a planned cataract or knee replacement is paid only up to the old Sum Insured. No add-on shortens this 24-month wait.
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