- Initial waiting period - Usually 30 days from the start date of the policy. Only claims related to accidents are admissible in the first 30 days.
- Specific disease waiting period - Usually 2 years from the start date of the policy. Claims related to slow-growing diseases (ex. Hernia, cataract etc,) are paid only after continuing the policy for 2 years.
- Pre-existing disease waiting period - Usually 4 years from the start date of the policy. Claims related to any pre-existing condition such as heart disease/diabetes etc. are paid only after 4 years of continuing with the policy
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