Days Waiting Period. Any disease contracted and/or Medical Expenses incurred in respect of any Pre-existing Disease/Illness by the Insured/Insured Person during the first 30 days from the inception date of the Policy will not be covered. This exclusion doesn’t apply for Insured Person having any health insurance indemnity policy in India at least for a period of 30 days prior to taking this Policy and accepted under portability cover, as well as for subsequent Renewals with Us without a break.
Days Waiting Period. Any Illness contracted or Medical Expenses incurred in respect of an Illness will not be covered during the first 30 days from the Policy Period Start Date. This exclusion does not apply to any Medical Expenses incurred as a result of Injury or to Renewals of the Policy with Us or to any Insured Person whose Policy has been accepted under the Portability Benefit under this Policy.
Days Waiting Period. Any disease contracted by the Insured Person during the first 30 days from the Commencement Date of the Policy.
Days Waiting Period. Any treatment taken during the first 30 days of the Start Date shall not be covered under the Policy, unless the treatment is required as a result of an Accident that occurs during the Policy Period.
Days Waiting Period. A waiting period of 30 days from the Inception Date of the Policy will be applicable for all hospitalisation claims except in case of accidents. This exclusion doesn’t apply for an Insured Person having any health insurance indemnity policy in India at least for a period of 30 days prior to taking this Policy and accepted under portability cover, as well as for subsequent Renewals with Us without a break. This clause will not apply to coverage under Accidental Death & Permanent Total Disability Cover wherever opted.
Days Waiting Period. We shall not be liable to make any payment in respect of any Critical Illness whose first Diagnosis and/or manifestations first commence/ occurs within 90 days of the Inception Date of the first Policy. Calculation of 90 Days Waiting Period 90 days is calculated from the Date of inception of policy to the actual final diagnosis which confirms the Critical Illness or date on which the surgical procedure is done whichever is earlier. In case an Insured Person is diagnosed with a critical illness during the waiting period he will not get paid if it is an illness/disease defined in the Policy as the diagnosis of the defined Illness is within the 90 day period. However if a person is diagnosed with heart blockage during the waiting period but undergoes Coronary Artery Bypass Graft after the completion of waiting period the claim for Critical Illness will be paid for Coronary Artery Bypass Graft as the surgical procedure was carried out after the completion of the 90 days waiting period.
