Health insurance policies with the shortest wait for pre-existing diseases

If you or a parent already has diabetes, blood pressure or a heart condition, the pre-existing disease waiting period decides when the policy actually starts paying for it. Across 305 policies where the wording states it, the usual wait is 4 years. These 20 are the shortest.

Updated 2026-10-27

Shortest waits first

Before you buy

A short waiting period often comes with a higher premium, a co-payment or a lower sum insured, so read the rest of the wording too. Every policy page on Qrates lists the co-payment, room rent limit and other waits in plain words.

You must declare every pre-existing condition when you buy. A claim can be rejected if a condition was not declared, even after the waiting period is over.

Sources

• IRDAI product filings

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