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
Prohealth Prime-Protect & Advantage	30 days	24 months	For SI upto 5 lac: 36 months For SI above 7.5 lac:24 months	36 months	36 months	No waiting period for selected ICD codes, there is 24 months waiting period	No waiting period	90 days	30 days
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
Lifetime plan	30 days	24 months	24 months	24 months	NA	No waiting period	No waiting period	90 days	30 days
Prohealth -Protect	30 days	24 months	48 months	NA	NA	NA	No waiting period	90 days	30 days
Prohealth-Accumulate	30 days	24 months	36 months	NA	NA	NA	No waiting period	90 days	30 days
Prohealth-plus	30 days	24 months	36 months	NA	48 months 24 months^	NA	No waiting period	90 days	30 days
Prohealth-Preffered	30 days	24 months	24 months	NA	48 months 24 months^	NA	No waiting period	90 days	30 days
Prohealth-Premier	30 days	24 months	24 months	NA	48 months 24 months^	NA	No waiting period	NA	NA
Super Top Up	30 days	24 months	48 months 24 months^	NA	NA	NA	24 months	90 days	30 days
Prohealth Cash	30 days	24 months on cataract,stones,arthritis	48 months	NA	NA	No waiting period	NA	90 days	30 days
Prohealth Select	30 days	24 months	48 months	NA	NA	No waiting period	NA	90 days	NA
Critical Care 1. Initial Waiting Period 2. Survival Waiting Period	90 days 30 days	NA NA	NA NA	NA NA	NA NA	NA NA	NA NA


NA: Not Available 24 months^: if reduction of maternity waiting period is opted