Health insurance claim reject hone ka sabse common reason hota hai Pre-Existing Disease Waiting Period. Bahut log is term ko sahi se samajhte nahi, aur emergency ke time problem ho jaati hai. Is article me hum simple language me batayenge ki pre-existing disease kya hoti hai, waiting period kaise kaam karta hai, aur kaise aap isse smart tareeke se handle kar sakte ho.
Pre-Existing Disease (PED) Kya Hoti Hai?
Pre-existing disease ka matlab:
- Aisi bimaari jo policy buy karne se pehle maujood ho
- Ya jiska diagnosis / treatment pehle ho chuka ho
Common examples:
- Diabetes
- High Blood Pressure (BP)
- Thyroid
- Asthma
- Heart-related conditions
Agar yeh conditions policy lene se pehle thi, to yeh PED maani jaati hain.
Waiting Period Kya Hota Hai?
Waiting period wo time hota hai jisme:
- Insurer PED se related claims pay nahi karta
Usually waiting period hota hai:
- 2 se 4 saal (policy ke hisaab se)
Is period ke baad PED related claims eligible ho jaate hain.
Waiting Period Kyun Rakha Jata Hai?
Insurers waiting period isliye rakhte hain taaki:
- Sirf claim ke liye policy lene walon se bach sakein
- Long-term customers ko benefit de sakein
Yeh risk management ka part hai.
Different Types of Waiting Periods
Initial Waiting Period
- First 30 days
- Isme sirf accidents cover hote hain
Specific Disease Waiting Period
- Hernia, cataract jaise conditions
- 1–2 saal
Pre-Existing Disease Waiting Period
- 2–4 saal
Har policy me yeh clearly mention hota hai.
Real-Life Example
- Policy buy ki: 2023
- Diabetes already present
- PED waiting: 3 years
2024 me diabetes-related claim ❌ reject
2026 ke baad same claim ✅ eligible
Waiting Period Reduce Kaise Karein?
Early Age Me Policy Le
Young age me:
- Waiting period jaldi complete hota hai
- Premium bhi kam hota hai
Short PED Waiting Policies Choose Karein
Kuch insurers 2 saal ki waiting dete hain.
PED Buyout Rider
Extra premium dekar waiting period reduce kiya ja sakta hai (agar available ho).
Medical History Disclosure Kyun Important Hai?
Agar aap PED disclose nahi karte:
- Claim time rejection ka risk
- Policy cancel bhi ho sakti hai
Honesty yahan sabse important hai.
Myths vs Reality
“Agar symptoms nahi hain to disease count nahi hoti”
Reality: Past diagnosis ya treatment count hota hai
PED Claim Smooth Kaise Karein?
Waiting period complete hone ke baad hi claim karein
Doctor reports aur prescriptions safe rakhein
Insurer ko timely inform karein
Final Thoughts
Pre-existing disease waiting period health insurance ka most misunderstood clause hai. Lekin jab aap isse samajh jaate ho, to future claims ka risk kaafi kam ho jata hai.
Early planning aur honest disclosure se aap apne aur apni family ke liye strong medical protection build kar sakte ho.