Is there a waiting period for the Group Arogya Sanjeevani policy?

Yes, here are the details of the different waiting periods:

• First 30 days waiting period - Any expenses incurred for treatment of any illness within 30 days from the first policy’s commencement date will not be covered during this period. However, expenses incurred due to accidents will be covered. 
• Pre-existing diseases - Any expenses for treatment of a Pre-existing Disease (PED) and its direct complications will not be covered for 48 months of continuous coverage from first policy’s commencement date, subject to the same being declared at the time of application and accepted at the time of application.
• Specific waiting period - Any expenses for treatments of the listed conditions, and surgeries/treatments will be covered after 24 months of continuous coverage from the first policy’s commencement date. If any of the specified disease or procedure falls under the waiting period specified for pre-existing diseases, then the longer of the two waiting periods shall apply.
  • 24 month waiting period
    • Benign ENT disorders
    • Gout and rheumatism
    • Tonsillectomy
    • Hernia of all types
    • Adenoidectomy
    • Hydrocele
    • Mastoidectomy
    • Non-infective arthritis
    • Tympanoplasty
    • Piles, fissures, and fistula in anus
    • Hysterectomy
    • Pilonidal sinus, sinusitis, and related disorders
    • All internal and external benign tumours, cysts, or polyps of any kind. This includes benign breast lumps. 
    • Prolapsed intervertebral disc and spinal diseases unless arising from accident
    • Benign prostate hypertrophy
    • Calculi in the urinary system, gallbladder and bile duct, excluding malignancy.
    • Cataract and age-related eye ailments
    • Varicose veins and varicose ulcers
    • Gastric/duodenal ulcer
    • Internal congenital anomalies
  • 48 month waiting period
    • Treatment for joint replacement unless it is resulting from an accident
    • Age-related osteoarthritis and osteoporosis

Learn more about whether you can cover your family members who are sick or suffering from illness under this policy.