For each member covered under the group health insurance:
- There is an initial waiting period of 30 days (not applicable in the case of accidental hospitalization) from the date of the enrolment of each member.
- Pre-existing diseases are not covered for 4 years from the date of enrolment.
- There shall be 2 years of waiting period from the date of enrolment for the following specific disease:
i. Internal congenital diseases
ii. Non-infective arthritis
iii. Diseases of gall bladder including cholecystitis
iv. Urogenital system e.g. Kidney Stone, Urinary Bladder Stone
v. Pancreatitis
vi. Ulcer and erosion of stomach and duodenum
vii. All forms of Cirrhosis
viii. Gastroesophageal Reflux Disorder (GERD)
ix. Perineal Abscesses
x. Perianal Abscesses
xi. Cataract
xii. Fissure / fistula in anus, Haemorrhoids including
xiii. Pilonidal sinus
xiv. Gout and rheumatism
xv. Benign tumours, cysts, nodules, polyps including breast lumps
xvi. Osteoarthritis and osteoporosis
xvii. Polycystic ovarian diseases
xviii. Fibroids (fibromyoma)
xix. Sinusitis, Rhinitis
xx. Tonsillitis
xxi. Skin tumours
xxii. Benign Hyperplasia of Prostate
