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What do you mean by waiting period?

a. The benefit shall not apply or be payable in respect of any listed conditions of which the symptoms have occurred or for which care, treatment, or advice was recommended by or received from a physician, or which first manifested itself or was contracted during the first six months from the risk commencement date or three months from the policy revival date where the policy has lapsed for more than three months.

 

b. In the event of occurrence of any of the scenarios mentioned above, where it is established that the Life Assured was diagnosed to have any one of the listed conditions during the waiting period for which a claim could have been made, the company will refund the premiums from risk commencement date of the policy or from the date of revival as applicable and the policy will be terminated with immediate effect. For policies with family benefit, this Life Assured will be removed and the policy will continue for the other Life Assured with the reduced premium from the next premium due date.

 

c. If cancer cover and heart cover are taken together, premiums corresponding to the cover and its additional benefits (if any), under which the claim is made will be refunded from risk commencement date of the policy or from the date of revival as applicable for that Life Assured. The cover and its additional benefits for which the premiums have been refunded will cease with immediate effect. The policy will continue with the other cover and its additional benefits (if any), and all future premiums will be payable only for this cover and its additional benefits.

 

d. No waiting period applies if any of the listed conditions occur due to accident.