Waiting period calculator.

The rules this uses

• A pre-existing disease is one diagnosed, or treated or advised on by a physician, within 36 months before the policy started. Its waiting period is capped at 36 months of continuous cover.
• A specific-disease or procedure waiting period is capped at 36 months and never applies to treatment needed because of an accident.
• The initial waiting period has no regulatory cap, but the customer information sheet must say it doesn’t apply to accidents or continuous renewals.
• Credit carries over when you port, migrate, or renew within the grace period. If you increase the sum insured, waiting periods start afresh only for the increased part.
• The 36-month caps came in on 1 April 2024, and existing products had to comply by 30 September 2024. For an earlier admission, your policy’s older wording may apply.

Reading your result

If the waiting period had ended before admission, a rejection for that reason is weak. Write to the insurer’s Grievance Redressal Officer with the schedules of every earlier policy, so the dates are proven. If the wait hadn’t ended, check whether the condition was really pre-existing: a “known case of” remark with no date isn’t proof on its own.