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5 Health Insurance Plans With Low Waiting Period for Pre-existing Conditions

Published On Apr 12, 2019 5:30 AM By Yamini Sharma

Declaration of pre-existing conditions while buying health insurance is something that every health insurance policy buyer must do. It is because when health insurance companies find out that a policyholder has hidden their pre-existing disease, they outrightly reject the claim. Furthermore, it is also important for the policyholder to declare their pre-existing disease because then the former is aware of the associated waiting period they need to survive.

What Is the Waiting Period?

The waiting period is a specific time period before a certain list of illnesses starts getting covered under one’s intended health policy. In case, something happens to the policyholder during the waiting period, they have no option, but to pay from their own pocket. Note that in such cases, other illnesses that aren’t pre-existing will be covered by the policy. However, once you survive the waiting period, the treatment expenses for a pre-existing conditions are covered by the policy.

The best way to deal with the pre-existing condition waiting period? Investing in a health insurance policy covering pre-existing conditions with a shorter waiting period! While some insurers have waiting periods like 4 years, there many that have only 2 years or 1 year as the waiting period. While there are numerous options to choose from, the ultimate choice of the policy depends on the waiting period as well as the other requirements of an individual.

What are the Different Types of Waiting Period?

Generally, with every health insurance plan comes a pre-decided waiting period, wherein the policyholder cannot file any claim. This waiting period is classified under three distinct categories:

  • Pre-Existing Condition Waiting Period

In case, the policyholder is suffering from any pre-existing health condition before or during the purchase of the health plan, then treatment expenses for the same would not get covered under the policy. The time duration of waiting period here can vary from a few months to some years depending upon the seriousness of the pre-existing disease.

  • Initial Waiting Period

In case a policyholder falls sick or requires hospitalisation during the initial time period, any benefits mentioned under the policy would not be provided during this period. The insurance company will only offer coverage for hospitalisation and other healthcare expenses incurred because of any accident during this period.

  • Disease-specific Waiting Period

Healthcare expenses or hospitalisation expenses that arise because of a pre-specified disease are not provided coverage under a health insurance plan. Generally, at the time of buying a policy, the respective insurance company will give you a list of all the health conditions that are not given coverage under the plan till the time the pre-decided waiting period ends.

5 Best Health Insurance Policies with Low Waiting Period for PED Conditions

Whether you are looking forward to buying health insurance policies covering pre-existing diseases for yourself or for your parents, check the below mentioned list beforehand to make an ultimate choice. 

For an easy selection, here is a list of top 5 health insurance plans with low waiting periods for pre-existing conditions:

Health Insurance Company 

Health Insurance Policy Name 

Waiting Period for PED

Bajaj Allianz 

Silver Health 

1 year 

Star Health 

Red Carpet 

1 year 

Max Bupa 


2 years 

Bajaj Allianz 

Health Care Supreme

2 years 

Oriental Insurance 

Senior Citizen HOPE

2 years 

  1. Bajaj Allianz Silver Health

Silver Health by Bajaj Allianz is one of the best health insurance policies one can avail for their parents. An annual policy available on an individual sum insured basis, Silver Health provides cover for pre-existing diseases from the second year of the policy, i.e, after a waiting period of 1 year or 12 months. 


  • Sum insured options - Rs.50000, Rs.100000, Rs.150000, Rs. 200000, Rs.300000, Rs.400000, Rs. 500000.
  • Coverage for emergency ambulance charges subject to a limit of Rs.1000 per claim.
  • 130 day care procedures covered subject to terms and conditions.
  • Entry age - From 46 years to 70 years.
  • Benefit of 5% family discount on covering 2 or more members.

For detailed information about the policy, click here.

  1. Star Health Red Carpet

Red Carpet is Star Health Insurance’s policy dedicated to senior citizens. Available on individual as well as family floater sum insured basis, Red Carpet policy also provides for expenses incurred on outpatient consultation in the network hospitals up to a specific limit. As far as pre-existing conditions are concerned, Red Carpet covers the same after a waiting period of 1 year or 12 months.


  • Entry age - From 60 to 75 years with lifelong renewal
  • Policy term - 1year, 2years, or 3 years
  • No pre-acceptance medical screening. On submission of medical records of the person proposed for insurance, a discount of 10% of premium is allowed
  • All day care procedures covered
  • Co-payment options: For sum insured Rs.1Lakh to Rs.10Lakh - 50% of each and every admissible claim. For sum insured Rs.15Lakh to Rs.25Lakh - 30% of each and every admissible claim

For more in detail, check here.

  1. Max Bupa Heartbeat

Heartbeat Policy by Max Bupa is one of the best comprehensive health insurance policies in the market. Available in three plan forms, namely  Heartbeat Individual, Heartbeat Family First, and Heartbeat Family Floater, each Heartbeat plan comes in Silver, Platinum and Gold variants. 

It must be noted that while Silver variant covers pre-existing diseases after 4 years, Gold & Platinum variants provide cover for pre-existing diseases after 2 years or 24 months.


  • Sum insured options (Gold & Platinum) - Rs.5Lakh up to Rs. 1 Crore.
  • Pre and post hospitalisation expenses up to 60 days and 90 days covered.
  • Cover for medical expenses incurred on treatment taken under AYUSH.
  • An increase in sum insured (10% of base sum insured per annum maximum up to 100% of base Sum Insured) if the policy is renewed without any break.
  • All day care treatments covered.

For in-depth information, visit here

  1. Bajaj Allianz Health Care Supreme 

The perfect invitation to good health, Health Care Supreme by Bajaj Allianz is available in individual, floater and group policy types. An annual policy, Health Care Supreme covers outpatient expenses as well as maternity & newborn baby expenses.

The plan covers pre-existing conditions after a waiting period of 2 years or 24 months.


  • Coverage for pre and post hospitalisation expenses incurred up to 60 days and 90 days
  • Air ambulance cost reimbursed up to the actual expenses, subject to a maximum limit as per the policy
  • Recovery benefit - Payment of a one-time lump sum amount per policy period, if the insured member is hospitalised for a disease/injury/illness for a continuous period exceeding 7 days
  • Maximum cumulative bonus, up to 50% of sum insured up to 5 claim free years
  • A family discount of 5% if 2 or more family members are covered under a single policy.

For more about the policy, click here.

  1. Oriental Insurance HOPE Health Insurance

HOPE (Health of Privileged Elders) Health Insurance by Oriental Insurance is one of the affordable policies for parents or senior citizens. A comprehensive policy, HOPE has a policy period of 1 year. Available on an individual sum insured basis. The plan covers specific diseases/illnesses/injuries. As far as pre-existing conditions are concerned, HOPE provides cover for the same after 2 years or 24 months.


  • Perfect choice for Senior Citizens aged 60 yrs and above.
  • Domiciliary hospitalisation benefit offered.
  • Benefit of continuity extended, in case the individual possesses an insurance with any mediclaim policy of Oriental Insurance.
  • Cashless service through TPA only. Limited to Rs. 1Lakh​.
  • Premium discount available on voluntary co-payment.

Details about the policy can be read here.

You may also like to read: Pre-existing disease cover from day one by popular health insurance companies

Also Read

Secure Your Future by Investing in Good Health Insurance

Good Family Health Insurance Plan - A Must for Expecting Parents


Pre-existing condition waiting period is one of the many elements you should consider to make the ideal choice. In addition to the same, do not forget to check all the features and benefits associated with the plan you are willing to invest in. Only after considering every aspect you will be able to find the perfect health insurance for pre-existing condition and prevent yourself from regrets in the coming time.

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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