What is a waiting period?
The time you must hold a policy before certain claims are payable. There's more than one kind.
What it is
A waiting period is the time after your policy starts during which certain claims aren't payable. Once it's completed, that exclusion falls away.
The common types
Most policies have an initial waiting period for illnesses (often the first 30 days, accidents usually excepted), a longer pre-existing-disease waiting period, specific-disease waiting periods for named conditions, and a separate maternity waiting period.
How it affects a claim
If a claim is denied for a waiting period, the question is whether the period had actually elapsed by the date of treatment, and whether the condition falls within that specific waiting clause.
Frequently asked
Upload your policy and the insurer’s letter — Claim Saathi reads both, finds the exact clause, and helps you respond.
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