Month: September 2026

The pre-existing disease (PED) clause is the most consequential purchase decision in health insurance — and the most frequently misunderstood. A buyer who discloses hypertension at inception accepts a 2–3 year waiting period and knows exactly what to expect. A buyer who fails to disclose it may have a claim rejected years later, at the moment the policy is most needed. This guide explains IRDAI’s current rules on PED waiting periods, how claims interact with the clause, and what …