Mandatory 24 months waiting period applicable to following illnesses and surgical prcedures from inception of your Health Insurance
These waiting periods are applicable irrespective of whether you have any pre-existing medical condition or not
This 24 months waiting will not be applicable if claims arising due to an Accident.
If sum insured has been increased, the exclusion shall apply afresh to the extent of increased Sum Insured
Longer waiting period will be applicable if any pre-existing waiting periods are defined in your health insurance policy
illnesses
Internal Congenital diseases
Non infective Arthritis
Pilonidal sinus
Diseases of gall bladder including cholecystitis
calculus diseases of Urogenital system e.g. Kidneystone, Urinary Bladder Stone
Benign tumors, cysts, nodules, polyps including breast lumps
Pancreatitis
Ulcer and erosion of stomach and duodenum
Polycystic ovarian diseases
All forms of Cirrhosis
Gastro Esophageal Reflux Disorder (GERD)
Sinusitis, Rhinitis
Perineal Abscesses
Skin tumors
Cataract and other disorders of lens and Retina
Fissure/fistula in anus, Haemorrhoids including Gout and rheumatism
Tonsillitis
Osteoarthritis and osteoporosis
Fibroids ( fibromyoma)
Benign Hyperplasia of Prostate
Surgical procedures
Adenoidectomy, tonsillectomy
Tympanoplasty, Mastoidectomy
Hernia
Dilatation and curettage (D&C)
Nasal concha resection
Surgery for prolapsed inter vertebral disc
Myomectomy for fibroids
Surgery of Genito urinary system unless necessitated by Malignancy
Surgery for varicose veins and varicose ulcers
Surgery on prostate
Cholecystectomy
Surgery for Perianal Abscesses
Hydrocele/Rectocele
Joint replacement surgeries
Surgery for Nasal septum deviation Ligament, Tendon and Meniscal tear HysterectomyFissurectomy, Haemorrhoidectomy, Fistulectomy, ENT surgeries Endometriosis Prolapsed UterusRectal Prolapse VaricoceleRetinal detachmentGlaucoma Nasal polypectomy
This list has been updated as on 30-01-2023. Please check latest exclusions on hdfc ergo website
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