Direct answer
No, coverage for pre-existing conditions usually depends on the specific policy’s waiting period, which varies by insurer and the medical history of each family member included.
Standard policy terms and conditions document for group health products as regulated by the insurance authority. For additional information about health insurance standards and consumer protection guidelines, see the Insurance Regulatory and Development Authority of India (IRDAI).
What this means for you
No, coverage for pre-existing conditions usually depends on the specific policy’s waiting period, which varies by insurer and the medical history of each family member included.
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