Star Health Insurance Waiting Period Disease
The minimum age of the insured at the time of surgery should be above 18 years.
Star health insurance waiting period disease. Waiting period of 4 years for pre existing diseases is a standard clause in almost all health policies. So that it is accrued when you switch the insurer and do not have to start afresh. This benefit is subject to a waiting period of 36 months from the date of first commencement of this policy and continuous renewal thereof with the company. Any one illnessmeans continuous period of illness and it includes relapse within 45 days from the date of last consultation with the hospital nursing home where treatment has been taken.
The list of ailments or diseases that account for 1 2 year long waiting period may vary from one insurance provider to another. This waiting period also lasts for around 2 years after commencement of the policy. Some insurance policies may cover injuries from accidents during this time but illnesses are generally not covered. Waiting period for pre existing diseases under the silver plan is 36 months and under gold plan is 12 months renewability of the plan this policy comes with lifelong renewals guaranteed option.
This waiting period only comes into effect once when your policy first begins it won t recur every time you renew your policy. Some health insurance plans will have a waiting of 2 years for the same disease and the other health insurer will have a waiting period of four years. This is helpful to the policy holder because an insurance company cannot deny a claim after 4 years i e once the waiting period is over. During this time no ailments will be covered pre existing or not.
Types of waiting period in health insurance. Initial waiting period in health insurance. Then you expenses for appendicitis would be covered only after policy renewal for the third year. It is suggested that you switch to a different insurance provider only after completing your waiting period.
It means that insurers will give you a list of diseases that if contracted will not be eligible for a claim. Let us understand the concept of waiting period in detail. The policyholder must wait till the expiry of this waiting period to raise a claim. Every policy has an initial waiting period usually about 30 days but sometimes up to 90 days.
In certain diseases like a tumor swelling of a body part due to abnormal growth of tissue osteoporosis porous bone hernia bulging of tissue through an abnormal opening ent disorder ear nose and throat infections the waiting period in health insurance plan ranges between 12 to 24 months. If you state appendicitis as pre existing and your policy has a waiting period of 2 years. Different types of conditions can have different waiting periods. Occurrence of the same illness after a lapse of 45 days as stated above will be considered as fresh illness for the purpose of this policy.
The waiting period in health insurance is defined by the insurer. It means star health gives you a guarantee that your health policy will be renewed irrespective of your age or health conditions.
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