According to the latest amendments in the Insurance Regulatory and Development Authority of India (IRDAI) health insurance industry is permitted to exclude certain pre-existing diseases. Some of the diseases that can be excluded are Epilepsy, Stroke, Chronic liver diseases, Kidney diseases, Hepatitis B and a few others. Recently IRDAI has made it mandatory to include a few diseases such as Alzheimer, Parkinson disease, AIDS, Morbid Obesity etc.
However, if these diseases are pre-existing than it can be excluded as well. In case of non-disclosure of any pre-existing disease, there’s a waiting period of 4 years. Currently, the waiting period is of 2 years, but insurance companies got the authority to lay a hiatus of up to 8 years as well. The proposal made by IRDAI is subject to review on an annual basis.