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As per regulation, Individual & Family Floater health insurance policies starting Sept 22, 2025, will have 0% GST. Choose a start date on or after this to avail the benefit.
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With zero waiting period for health insurance, policyholders can access their insurance benefits from day one. This is because health issues can arise at any time, and you don’t want to be left to cover your extensive hospital bills after a medical emergency.
This guide will shed light on zero waiting period health insurance, its benefits and considerations to help you make an informed decision.
A zero waiting period health insurance plan allows you to claim from the first day of policy activation. This means you can file a claim right after you buy a policy without having to wait.
What is a Waiting Period? – A waiting period refers to the time (specific number of months or years) you need to wait before you can file a claim for a particular medical condition. For example, if you want to claim maternity costs under your Reliance health insurance plan, you need to wait 12 or 24 months after you buy your plan to be eligible for maternity coverage.
This practice encourages people to get insured before any unforeseen health issues occur rather than in an hour of need. Policies with zero health insurance allow you to skip this period and start enjoying the benefits from the start date of the health plan.
Health Condition
Waiting Period
Initial Waiting period
30-day period
Pre-existing diseases(such as diabetes, hypertension and more)
36 months
Maternity
12 or 24 months (based on the chosen plan)
Newborn Baby Inclusion: Coverage up to 90 days
Specific Illnesses (Psychiatric health issues, Ballistic surgery, etc)
24 months
Accidental/EmergencyHospitalisation
0 days
Covid 19-Coverage
30 days
Zero waiting periods ensure immediate financial support for your existing ailments, rather than having to wait significantly longer before you could make claims for any pre-existing disease.
Easily opt for any immediate treatments. Your no waiting insurance plan will also cover any surgery or hospitalisation as covered by your policy terms.
Insurance plans with zero or minimum waiting periods provide a sense of heightened security in terms of health and finances. This especially comes in handy when a severe health issue arises immediately after purchasing a plan.
Almost all traditional insurance planshave a long waiting period for maternity. However, with a health cover and no waiting period, you get immediate coverage for hospitalisation charges, surgeries and more.
Zero waiting period plans are comparatively expensive since there is always a risk of high spending on the part of the insurance company.
Many insurance companies do not offer health insurance without waiting period policies, so the pool of plans you can choose from may be limited.
The list of restrictions might be longer for such plans to make sure there are no malpractices by the policyholders.
Take a look at the premium package offering health insurance plans with no waiting period and prices from various insurance providers. Go through their claim periods and assistance before settling down on a plan.
Go for insurance plans that cover essential health problems and treatments as per your health requirements.
Always check the reputation of the insurance provider before going into business with them. Check for reviews and customer service availability before you make a decision.
It is very important to go through the terms and conditions of the insurance coverage carefully to avoid any confusion at the time of a claim.
Your choice of a health plan should depend entirely on your health. If you are prone to suffering from several ailments, opt for an insurance scheme that offers minimum waiting time
If you are suffering from a health problem that requires frequent medical attention, having health insurance with zero waiting insurance can help you tremendously in getting good healthcare without any financial burden.
These plans can greatly benefit senior citizens, as they can help them gain access to insurance benefits quickly. The elderly might already be suffering from many pre-existing ailments, and they can receive the medical attention they deserve through benefits they can claim immediately.
Couples who are planning a family or are expecting will find an insurance plan with zero waiting period to be extremely beneficial at the time of delivery.
If you have to undergo a planned medical procedure for any unforeseen or pre-existing ailment, having immediate coverage helps avoid delays in receiving due attention.
People who take frequent trips may benefit from medical insurance without a waiting period that keeps up with their spontaneous trip plans.
Survival period refers to the duration of time a person needs to survive before getting diagnosed with a chronic disease such as cancer, kidney or heart failure and more. This is not without the waiting period, but in addition to it, it can stretch from 14 days to 180 days,, depending on the nature of the illness.
If a critical illness has been detected, the insurance company will pay a pre-defined lump sum amount per your coverage. However, that will only happen if the insured has survived the survival period.
Criterion
Survival Period
Applicable For
Critical illness policies
All types of health insurance
Period
14-80 days
0-30 days of initial waiting, 0-3 years for pre-existing disease
Factors Affecting Period
It depends on the illness and the insurance company
It depends on the disease and the insurance provider
Continuity
Terminates after the huge pre-defined sum of money has been paid
Terminates at the end of the waiting period
Why Choose Reliance General Health Insurance?
Reliance General Insurance is a trusted provider of health plans with less waiting periods in health insurance so that people can attend to their medical needs. With us, you can also reduce your waiting periods through add-ons so you can get necessary medical coverage sooner.
We also offer a cashless everywhere facility where you can file cashless claims at any hospital in India. This means we settle your hospital bills directly with the hospital, and you only have to pay the mandatory deductibles.
If this sounds interesting, check out our health insurance plans and get insured today!
Conclusion
Zero waiting period health insurance plans are highly beneficial for those seeking immediate medical attention. Eliminating the waiting period provides people with health and financial security. With Reliance General Insurance, you can be assured of receiving quick, comprehensive coverage at trusted hospitals and quality service.
Frequently Asked Questions (FAQs)
Generally, group or corporate health insurance plans come with day 1 coverage. Individual medical insurance comes with a general waiting time of 30 days from the date of inception.
Some insurance companies allow you to opt out of the waiting period through a waiting period waiver. This waiver is generally obtained by paying an extra premium amount at the time of inception.
Ideally, after purchasing health insurance, you have to serve an initial waiting period of 30 to 90 days, depending on the insurer. However, in case of accidents, the insurance companies can waive your waiting period.
Group health insurance plans generally offer day 1 coverage.
During the 56th GST Council Meeting in New Delhi, the Indian Government revealed a groundbreaking decision to exempt all health insurance policies from GST, starting September 22, 2025. The GST rate on health insurance premiums has been lowered to zero. Previously, premiums faced an 18% GST, which greatly raised the total cost.With this exemption, only the base premium is charged - making health insurance more affordable and accessible for individuals.
With Zero GST, your premium is now reduced by up to 18% compared to before.You won't have to pay tax on health insurance policies anymore.This change is effective for new purchases and renewals starting September 22, 2025.
Example: A policy that earlier cost ₹15,000 (including ₹2,288 GST) will now cost approximately ₹12,712 - saving you nearly ₹2,300
Yes, renewals made on or after September 22, 2025 will benefit from Zero GST.If your policy was issued before this date, GST still applies.The exemption is tied to the policy issuance and renewal date, not just payment.Future renewals will reflect the GST-free pricing, reducing your premium cost.
Yes, policies purchased or issued before September 22, 2025 still include 18% GST.The Zero GST exemption applies only to policies issued or renewed on or after that date.Future renewals will reflect the GST-free pricing.
Starting 22nd September 2025, the GST (Goods and Services Tax) on individual health insurance premiums has been reduced to 0%, down from the earlier rate of 18%.
What this means for you: Lower Premiums: You'll now pay only the base premium-no GST added.
Yes, Your Health Infinity renewal premium will decrease if the renewal takes place on or after September 22, 2025.
Yes, the new GST regulation effective from 22nd September 2025 applies to both new purchases and renewals of individual health insurance policies.
Yes, The GST exemption starting from 22nd September 2025 is applicable to health insurance plans such as Health Gain, Health Infinity, Super Top-Up, and Hospi Care. Provided that the policy is issued and the risk begins on or after this date, there will be no 18% GST charged on premiums. This change makes these plans more budget-friendly for both new purchases and renewals.
If your health insurance policy was renewed before September 22, 2025, and you paid GST, you are not eligible for any refunds or adjustments,The GST exemption applies only to transactions made on or after the effective date. Since your payment was completed earlier, the GST charged was valid under the previous tax rules and cannot be retrospectively refunded.
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Disclaimers: *T&C Apply. For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording and CIS carefully before concluding a sale. Health Infinity UIN: The details mentioned above are for Reliance Health Infinity Insurance UIN: RELHLIP23120V042223
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