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Last updated on: May 20, 2025
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Read BioLearning about insurance in India may be quite complicated, when, during the purchase of the policy or during insured delivery, a term like PED is mentioned. When it comes to purchasing a health cover to yourself or family it is important to know what PED means and how it is going to work in 2025. This article will discuss on PED in health insurance, some of the most frequently asked questions on the same, how it affects policy holders and how one can go about this intelligently.
PED is an abbreviation of PreExisting Disease. It is any illness, medical condition, symptoms or the disease that is in existence prior to taking a health insurance policy. The use of any PED will be of great interest to the insurers when they consider offering you coverage. Why? Since in many occasions such conditions demand attention and treatment, which make it more likely that there will be claim under the policy.
By 2025, buyers of Indian policy will not be able to purchase, upgrade, or renew a health insurance plan without adequate knowledge about PED. PED, the length of the waiting period, and when you become fully covered are the details that are not to be overlooked.
Step by step we will take it.
A preExisting disease is everything that was not already showing up, exhibiting symptoms, or diagnosed prior to the date your new health insurance policy begins to cover you. Some of the common conditions are hypertension, diabetes, thyroid problems, cancer, asthma, or even past surgical procedures.
The insurers in India adhere to the guidelines provided by the IRDAI which define PED as any disease, condition or ailment, which is identified by up to 48 months that is, 4 years prior to purchasing the policy. Therefore, in the event that you were treated three years going back in regard to high blood pressure, it is a PED to your new insurance.
There are diseases which will always be barred such as congenital or inherited conditions. Therefore, it is significant to read your policy document.
The Indian health insurance plans normally impose a 2-4 year waiting period against PED. At this period no cost is paid on treatment, surgery or hospitalization associated with the PED. However, after you have served the waiting period where the policy is in effect, the subsequent claims are accepted.
Did You know?
Regarding IRDAI guidelines targets 2025, the waiting period imposed by the insurers on PED cannot be more than 4 years in standard health insurance policies.
When you take a new policy, before you purchase it, insurers want to know whether you have any previous illnesses, hospitalization, surgery, or any long-term illnesses. The specification of all the details and providing the truthful information are also essential because the incorrect or incomplete disclosure may result in rejection of the claims.
Disclosure of PED has an effect on:
When you conceal your PED or lie about it, your claim can be denied and later, the policy can be terminated.
The question is also put by people:
Does pregnancy count as a preExisting Disease to health insurance?
No, not pregnancy, but PED is prescribed separately and with a different maternity waiting period in most plans.
A preExisting condition can result in slightly higher premium. In other cases, the insurer can include special terms, loadings or require medical examination. Nevertheless, due to the increased competition in 2025, nowadays, many policies include simpler conditions to PED.
Expert Insight:
Dr. Shweta Nair, Senior Underwriter, says “Not all PED mean higher premium. If well managed and risk is low, some insurers allow regular pricing for common conditions like controlled diabetes.”
Preventing misuse such as purchase of insurance after getting sick is done by the imposition of a waiting period. In this time any related expenses to PED are not reimbursed. When you have passed this waiting period, over which you can have no lapse in renewing, then the conditions also fall under the policy.
| Insurance Provider | PED Waiting Period | Minimum Years Of Renewal Required |
|---|---|---|
| Star Health | 3 years | 3 continuous years |
| HDFC ERGO | 3 to 4 years | 3 to 4 years no lapse |
| Aditya Birla | 4 years | 4 years continuance coverage |
| Niva Bupa | 3 years | 3 years without break |
| Care Insurance | 4 years | 4 years active renewal |
Check: The most up-to-date brochure which covers your policy.
In 2025, some insurers are providing the possibility to cut the PED waiting period at the price of additional payments or special add-ons. In an example, a diabetic kid can be offered 4 years of waiting period to 2 years in exchange of a fixed premium hike. Plans depend on the insurer.
Did You know?
You can also have PED clauses even on top-up and super top-up plans despite upgrading an existing policy.
When you have revealed your PED when applying the policy and undertaken the appointed waiting period, your insurer will accommodate any future claims involving PED.
Claims can slip or be denied when one of the following conditions apply:
Every document, prescription, test results, and discharge reports are to be provided.
In case one develops an illness subsequent to the commencement of the policy, it is not considered as preExisting. But in some cases where it could have been evident before the policy date and ignored, then the insurers will inquire. To this, it is recommended that all the symptoms be recorded, and doctor consultation may be done during purchase.
The question is also put by people:
Does a PED allow me to change insurers?
Sure, you can change insurances according to the IRDAI portability. The waiting period should be credited against when the new company receives the subject of the previous company.
Expert Insight:
Mr. Ramesh Chandran, Health Insurance Consultant, says “Now in 2025, portability between insurers has improved. If you had a PED declared in your old plan and served the waiting period, you need not start over with the new company!”
There are also instances where buyers would mix up PED waiting period with the other exclusions such as maternity, dental care, or certain surgery.
| Feature | Other Exclusions | PED Waiting Period |
|---|---|---|
| Definition | Preexisting disease | Exclusions to Day 1 |
| Example | Asthma, diabetes, BP | Joint replacement, cataract, maternity |
| Waiting period | 2 to 4 years | 1 or 2 years (varies by condition) |
| Relevant to | Reported diseases | Particular treatment irrespective of PED |
Information about policy wording must always be checked.
You are required to truthfully answer the health declaration part during application.
Depending on the information provided, the insurer can request medical tests or reports.
Today, an increasing number of companies provide health insurance with complex PED, though transparency is the important task.
The question is also put by people:
What happens when my insurer denies me proposal because of PED?
You may give it a go with another insurer. PED has loose regulations in some policies such as group health or corporate ones.
Did You know?
In the year 2025, a few digital insurers will conduct an immediate AI health analytics eligibility analysis. However, when requested, you still stand to give any reports.
When a person buys a health cover and is already diagnosed with a medical condition, they refer to it as a preExisting disease or PED. It will be a question that will be posed by Indian insurers, and once it has been declared, then a waiting period of approximately 2 to 4 years will be used when it comes to PED claims. Disclosure of truth, maintaining the documents and completion of waiting period are to be done always to facilitate smooth settlement of claims. Find smart comparisons of plans online prior to the red carpet.
What is preExisting disease in health insurance?
A preExisting disease is any kind of medical condition, illness, or symptom that a policy holder already possessed prior to the initiation of a new health insurance cover.
Does health insurance cover preExisting conditions on day 1?
Ordinarily, normal health cover consists of a 2 to 4 years wait. Nevertheless, there are company covers or senior citizen plans which provide day 1 PED cover.
What can I do to show that I do not have a preExisting illness?
Have your medical tests, prescriptions and date wise reports at hand. Write everything and state when the initial symptoms appeared.
What would the result be in holding back a preExisting disease?
Later, your claim can be denied, and policy can be cancelled in case of fabricated information. Disclosure is always better done in the most truthful way.
Do we have health insurance programmes in India which do not have PED waiting period?
Quite unusual, yet not all corporate or group health plans do have such a waiting period. Common retail policies are mainly of 2-4 years waiting period.
May the insurers permanently exclude any PED?
Firstly, of course, insurers are allowed to permanently exclude certain serious chronic or genetic conditions. Write on exclusions provision in your policy document.
In case you intend to purchase health insurance in 2025 and have a preExisting disease, tell the truth, do comparison plans and inquiries; also consult the doctor whenever you feel like. Your health and peace of mind are always worth the effort!
How could we improve this article?
Written by Prem Anand, a content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors.
Prem Anand is a seasoned content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors. He has a strong command of industry-specific language and compliance regulations. He specializes in writing insightful blog posts, detailed articles, and content that educates and engages the Indian audience.
The content is prepared by thoroughly researching multiple trustworthy sources such as official websites, financial portals, customer reviews, policy documents and IRDAI guidelines. The goal is to bring accurate and reader-friendly insights.
This content is created to help readers make informed decisions. It aims to simplify complex insurance and finance topics so that you can understand your options clearly and take the right steps with confidence. Every article is written keeping transparency, clarity, and trust in mind.
Based on Google's Helpful Content System, this article emphasizes user value, transparency, and accuracy. It incorporates principles of E-E-A-T (Experience, Expertise, Authoritativeness, Trustworthiness).
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