Moratorium calculator.
After 60 continuous months of health cover, an insurer can’t contest your policy or a claim for non-disclosure or misrepresentation, except for established fraud. Enter your dates to see where you stand.
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What the rule says
The IRDAI (Insurance Products) Regulations 2024, Schedule III clause 8: “After completion of sixty continuous months of coverage (including portability and migration) in health insurance policy, no policy and claim shall be contestable by the insurer on grounds of non-disclosure, misrepresentation, except on grounds of established fraud.”
Further reading: Oquilia’s explainer, Health Insurance Moratorium 60 Months.
How this calculator counts
- It counts whole calendar months from the start of continuous cover to the date you were admitted.
- Ported and migrated years count. Renewing within the grace period keeps cover continuous: 15 days for monthly premiums and 30 days for other modes.
- The 60 months run on your first sum insured. If you increased it, a fresh 60 months runs on the increased part only.
- The 60-month rule came in on 1 April 2024, and existing products had to comply by 30 September 2024. For an admission before then, the older wording of your policy may apply, which often said 8 years.
What it doesn’t check
- Established fraud, which the moratorium never protects.
- Permanent exclusions in your policy. The moratorium stops the insurer looking back at what you disclosed. It doesn’t add cover the policy never had.
- Whether a break in cover really happened. If the insurer says there was a break, ask it to show the dates.
Questions people ask
Is the moratorium 5 years or 8 years?
60 months (5 years) under the IRDAI (Insurance Products) Regulations 2024. It used to be 8 years, and older policy wordings may still say so. IRDAI required existing products to be brought in line by 30 September 2024.
Do ported years count towards the 60 months?
Yes. The regulation says the 60 months include portability and migration, so continuous years under an earlier policy or insurer count.
Can a claim be rejected after 60 months?
Yes, but not for non-disclosure or misrepresentation, unless the insurer shows established fraud. A permanent exclusion in the policy still applies, and so do waiting periods and other policy terms.