Pre-existing Coverage Benefits

Any personal illness or health condition that was known and existed prior to the writing and signing of an insurance contract. Health insurance policies will often identify a customer's pre-existing conditions before writing an insurance contract for that person, and will typically not cover pre-existing conditions until a specified period of time has elapsed.
Pre-existing coverage
  • Covered after a waiting period of 48 months & will get reduced by 1 year on every continuous renewal of your policy.
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Bajaj Allianz
  • Two years waiting period in Health ensure Plan for aged between 5 to 55 years
  • And four years waiting period in Health Guard Plan for aged between 18 to 65 up to 80
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  • HealthWise Standard: Covered after 4 years
  • HealthWise Silver: Covered after 2 years
  • HealthWise Gold: Covered after 2 years
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Max Bupa
  • Silver Plan: Covered after 4 years
  • Gold Plan: Covered after 4 years
  • Platinum Plan: Covered after 4 years
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Apollo Munich
  • Optima Restore: Covered after 3 years
  • Easy Health: Covered after 3 years
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Star Health
  • Medi Classic: Covered after 4 years
  • Optima Restore: Covered after 4 years
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  • Covered after 4 years of continuous renewal.
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*Sum Insured: Means the sum shown in the Schedule which represents Our maximum liability for each Insured Person for any and all benefits claimed for during each Policy year, and in relation to a Family Floater represents Our maximum liability for any and all claims made by You and all of Your Dependents during each Policy Year.
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  • InstantCover Insurance Web Aggregator Private limited
    710, 6th B Cross, 16th Main Road, Koramangala 3rd Block,
    Bangalore - 560 034.
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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2022