Health Insurance Plans with Zero Waiting Periods

Imagine a scenario: Mr Radhey Balakrishnan, who resides in Kerala, bought a health insurance policy with a sum insured of ₹10 lakhs. However, unaware of the waiting period clause in his health insurance policy, his joy quickly turned to shock when, just 15 days later, he suffered a heart attack and required hospitalization. To his dismay, when he tried to claim health insurance in Kerala, he learned that the policy had a 30-day waiting period, leaving him responsible for all medical expenses.

To avoid such situations, the concept of health insurance plans with zero waiting periods comes into play. Now, let’s understand what health insurance with zero waiting period is, its benefits, and other related aspects.

 What Is An Online Medical Policy With Zero Waiting Period?

Zero Waiting Period health insurance plans are designed to eliminate the concern of waiting periods. Waiting periods refer to when the policyholder doesn’t make any claim or leverage the benefit of the specific coverage.

However, with the zero waiting period health insurance policies, you can get immediate coverage for all eligible medical expenses. Like in the Tata AIG, you can claim personal or accident injury from day one. Due to the zero waiting period, these plans became popular among the policyholders seeking swift access to healthcare services.

 What Are the Benefits Of Zero Waiting Period Health Insurance Plans?

  1. Immediate coverage for medical emergencies: With zero waiting period health insurance plans, you can get swift coverage from day one in case of a medical emergency or an unforeseen health issue.
  2. Coverage for pre-existing conditions: Some plans also give immediate pre-existing illness coverage from the very start. It provides peace of mind and continuous care for ongoing health needs.
  3. Maternity benefits without delay: Pregnancy and childbirth-related expenses add a significant financial strain on expectant parents. However, with zero waiting period health insurance plans, you will receive maternity benefits without any waiting period. It ensures that pregnant women get prominent medical services from the beginning of their policy.
  4. No waiting for specific treatments: With zero waiting period for health insurance, policyholders can undergo some of the treatments, such as cataract surgery which has a long waiting period in traditional health insurance, without any delay. It prevents unnecessary discomfort and inconvenience.

 Can I Buy Health Insurance And Use It Immediately In India?

Yes, you can buy some health insurance online in India, that you can use immediately. These plans allow policyholders to access coverage for all diseases and treatments from day one of the policy. However, many other health insurance providers offer plans which offer some of the few disease coverages from day one, whereas, for other coverages, you have to wait for a specified period. Generally, for claiming pre-existing illness coverages, you must typically wait longer than any other coverages your plan offers.

 Can I Switch To A Plan With Zero Waiting Period If I Already Have A Health Insurance Policy?

Yes, you can switch to other health insurance plans with zero waiting periods if you already have a health insurance policy. However, when you switch to another policy, they come into effect immediately if you have already completed the initial period in your current health insurance policy. However, checking it with your insurance provider and reading the terms and conditions carefully is always recommended.

 Can I Get Coverage For Pre-Existing Conditions Under A Plan With Zero Waiting Period?

Yes, some health insurance plans with zero waiting periods may provide coverage for pre-existing conditions from day one. You can refer the following:

Insurance Provider Health Insurance Plan Pre-existing Disease Coverage from Day One
Aditya Birla Health Insurance Activ Health Platinum Enhanced Plan Coverage for pre-existing conditions from day one, including diabetes, hypertension, and high cholesterol.
Star Health Insurance


Star Diabetes Safe Insurance Plan

Coverage for pre-existing to both Type 1 and Type 2 diabetes patients.
Care Health Insurance


Care Supreme Plan with Instant Cover

Coverage for pre-existing diabetes, asthma, hypertension and hyperlipidemia

Niva Bupa Health Insurance

Niva Bupa ReAssure 2.0 Plan with Smart Health+

Coverage for pre-existing hypertension and diabetes


Zero-waiting health insurance plans are a great advancement in the insurance industry, giving immediate coverage. By eliminating the waiting periods, the policyholders will get a sense of financial security from day one, which ultimately offers them peace of mind. However, checking the waiting period for different coverages with your insurance provider is necessary. It will help you to opt for the right health plan and coverages, which will take care of your well-being and save your inflated medical expenses.