Is there any waiting period for VHIS?

  • Updated

Generally, there is no waiting period for illnesses that arise after you enroll in Bowtie VHIS Plan.

Bowtie VHIS only has a waiting period for "pre-existing conditions unknown to you at the time of enrolment." These are conditions that you already had before enrolling, but were unaware of because there were no obvious symptoms, and you did not seek medical advice or treatment.

In simple terms, if you were unaware that you had a certain condition when you enrolled, but are later diagnosed and need treatment for it after enrolling, the eligible expenses will be subject to the following waiting periods and reimbursement ratios.

 

Flexi Plan and Bowtie Pink

Waiting Period (from the effective date of the policy) Reimbursement ratio
The first 180 days 0%
On and after the 181st day 100% of the eligible medical expenses within the benefit limit

 

Standard Plan

Waiting Period (by Policy Year) Reimbursement ratio
1st policy year 0%
2nd policy year 25% of the eligible medical expenses within benefit limit
3rd policy year 50% of the eligible medical expenses within benefit limit
4th policy year onwards 100% of the eligible medical expenses within benefit limit.