Waiting Period in Health Insurance

Product	Initial WP	Specified Disease	Pre Existing Disease	Bariartic Surgery	Maternity benefits	Mental Illness cover	HIV/AIDS related disease	CI Addon cover
Product	Initial WP	Specified Disease	Pre Existing Disease	Bariartic Surgery	Maternity benefits	Mental Illness cover	HIV/AIDS related disease	Initial Waiting Period	Suvival Waiting Period
ManipalCigna Sarvah - Uttam	30 days	24 months	36 months	NA	36 Months	Waiting period of 24 month in case of selected ICD codes	No waiting period	N/A	N/A
ManipalCigna Sarvah - Param	No Waiting Period	N/A	N/A	NA	NA	No waiting period	No waiting period	N/A	N/A
ManipalCigna Sarvah - Pratham	30 days	24 months	36 months	NA	NA	NA	NA	N/A	N/A
ManipalCigna Prohealth Prime-Protect & Advantage	30 days	24 months	For SI upto 5 lac: 36 months	36 months	36 months	No waiting period	No waiting period	90 days	30 days
ManipalCigna Prohealth Prime-Protect & Advantage	30 days	24 months	For SI above 7.5 lac:24 months	36 months	36 months	for selected ICD codes, there is 24 months waiting period	No waiting period	90 days	30 days
ManipalCigna Prohealth Prime-Active	30 days	24 months	90 days for Asthma, Diabetes, Hypertension, Dyslipidaemia and Obesity related conditions For all other conditions - 24 months	NA	NA	Waiting period of 24 month in case of selected ICD codes	No waiting period	NA
ManipalCigna Lifetime Health	30 days	24 months	24 months	24 months	NA	No waiting period	No waiting period	90 days	30 days
ManipalCigna Prime Senior	30 days	24 Months	24 Months 90 Days^^	NA	NA	24 Months	No waiting period	N/A	N/A
ManipalCigna Prohealth Insurance -Protect	30 days	24 months	36 months	NA	NA	NA	No waiting period	90 days	30 days
ManipalCigna Prohealth Insurance-Accumulate	30 days	24 months	36 months	NA	NA	NA	No waiting period	90 days	30 days
ManipalCigna Prohealth Insurance-plus	30 days	24 months	36 months	NA	48 months	NA	No waiting period	90 days	30 days
ManipalCigna Prohealth Insurance-plus	30 days	24 months	36 months	NA	24 months^	NA	No waiting period	90 days	30 days
ManipalCigna Prohealth Insurance-Preffered	30 days	24 months	24 months	NA	48 months	NA	No waiting period	90 days	30 days
ManipalCigna Prohealth Insurance-Preffered	30 days	24 months	24 months	NA	24 months^	NA	No waiting period	90 days	30 days
ManipalCigna Prohealth Insurance-Premier	30 days	24 months	24 months	NA	48 months	NA	No waiting period	NA	NA
ManipalCigna Prohealth Insurance-Premier	30 days	24 months	24 months	NA	24 months^	NA	No waiting period	NA	NA
ManipalCigna Super Top Up	30 days	24 months	36 months	NA	NA	NA	24 months	90 days	30 days
ManipalCigna Super Top Up	30 days	24 months	24 months^	NA	NA	NA	24 months	90 days	30 days
ManipalCigna Prohealth Cash	30 days	24 months on cataract,stones,arthritis	36 months	NA	NA	No waiting period	NA	90 days	30 days
ManipalCigna Prohealth Select	30 days	24 months	36 months	NA	NA	No waiting period	NA	90 days	NA
Arogya Sanjeevani Policy, ManipalCigna	30 days	24 Months & 36 Months	36 months	NA	NA	No waiting period	No waiting period	N/A	N/A
ManipalCigna Lifestyle Protection - Critical Care								N/A	N/A
1. Initial Waiting Period	90 days	NA	NA	NA	NA	NA	NA
2. Survival Waiting Period	30 days	NA	NA	NA	NA	NA	NA
Saral Suraksha Bima	No waiting period	NA	NA	NA	NA	NA	NA	N/A	N/A
ManipalCigna Lifestyle Protection - Accident Care	No waiting period	NA	NA	NA	NA	NA	NA	N/A	N/A
ManipalCigna Accident Shield	No waiting period	NA	NA	NA	NA	NA	NA	N/A	N/A
SecureHealth, ManipalCigna	30 days	24 months	36 months for s for other than the pre-existing Disability and HIV/AIDS covered. 24 Months for treatment of Pre-existing Disability.	NA	NA	No waiting period	No waiting period	N/A	N/A

NA: Not Available 24 months^: if reduction of maternity waiting period is opted 90 Days^^: if reduction in PED Waiting Period is opted