Health insurance delays coverage for specific pre-existing conditions (pancreatitis, cataracts, etc.) for a set time (1-4 years) to prevent unfair claims costs. This “waiting period” ensures you weren’t already sick before buying the policy.
List of specific diseases/procedures:
- Pancreatitis and stones in biliary and urinary system
- Cataract, glaucoma and retinal detachment
- Hyperplasia of prostate, hydrocele and spermatocele
- Prolapse uterus or cervix, endometriosis, Fibroids, Polycystic ovarian disease (PCOD), hysterectomy (unless necessitated by Malignancy)
- Hemorrhoids, fissure, fistula or abscess of anal and rectal region
- Hernia of any site or type
- Osteoarthritis, joint replacement, osteoporosis, systemic connective tissue disorders, inflammatory polyarthropathies, Rheumatoid
- Varicose veins of lower extremities
- All internal or external benign neoplasms/ tumours, cyst, sinus, polyps, nodules, mass or lump
- Ulcer, erosion or varices of gastro intestinal tract
- Surgical treatment for diseases of middle ear and mastoid (including otitis media, cholesteatoma, perforation of tympanic membrane), Tonsils and adenoids, nasal septum and nasal sinuses