Waiting Period In A Mediclaim Policy

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What is Waiting Period In a Mediclaim Policy?

When you purchase that mediclaim policy you might not get coverage or be eligible for medical treatment immediately .Many health policies have a waiting period of one month. Only after that one month, you the policy holder is covered under the mediclaim. Hence this is called the waiting period .Only injuries arising out of accidents are covered under the policies during the waiting period. Let us consider that your policy has a clause that preexisting diseases such as hypertension and diabetes are covered after only two continuous claim free renewals. Then these two years becomes the waiting period for the pre existing diseases and you can avail medical coverage for these diseases only if you pay an additional premium on the policy. However you can get treatment for diseases which are covered under the policy but not the pre existing diseases you suffer from.

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Invest in Tax Saving Mutual Funds ( ELSS Mutual Funds ) to upto Rs 1 lakh and Save tax under Section 80C.

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