Initial Waiting Period (30-90 Days) in Health Insurance – Complete Guide

⏳ What is the Initial Waiting Period (30-90 Days)?

The initial waiting period is a standard clause in health insurance policies where no claims are payable for the first 30-90 days (except accidental injuries). This waiting period applies to all new health insurance policies in India.

🔹 Key Characteristics

• Duration: Typically 30 days (best plans) to 90 days (standard plans)

• Applies To: All illnesses except accidents

• Purpose: Prevents people from buying insurance only when sick

• Policy Impact: Starts from policy inception date

---

📌 What’s Covered During Initial Waiting Period?

(Some plans exclude ALL claims including accidents during initial waiting)

---

💡 Smart Strategies to Reduce Impact

1️⃣ Choose 30-Day Waiting Period Plans

• Best Option: Star Health (30 days)

• Alternative: HDFC Ergo (45 days)

• Standard: Most PSU insurers (90 days)

2️⃣ Time Your Policy Purchase

• Buy before flu season/monsoon

• Avoid starting policy when planning elective procedures

3️⃣ Utilize Employer Insurance First

• Use corporate cover during waiting period

• Coordinate with personal policy dates

4️⃣ Consider Porting Options

• If switching insurers, waiting period may reduce

• Maintain continuous coverage

---

⚠️ Critical Exceptions to Know

1. No Carryover – Fresh waiting period if policy lapses

2. Family Floater Impact – Applies to all members equally

3. Renewals – Only applies to first policy year

4. Upgrades – May trigger new waiting period

---

📊 Waiting Period Comparison Across Insurers

---

❓ Frequently Asked Questions

Q: Does the waiting period apply to all family members?

✅ Yes – Each insured member has independent waiting period

Q: Can I get treatment and claim later?

✔ No – Illness must manifest AFTER waiting period ends

Q: Are diagnostic tests covered?

🔄 Only if conducted after waiting period ends

---

📢 Best Low-Waiting Period Plans