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Health Insurance 336 views August 20, 2021
A cooling-off period is the waiting period during which the insurer will evaluate the health of the insured before deciding to cover him/her. The cooling-off waiting period is introduced for the COVID-19 survivors. So, if you are diagnosed with COVID-19, you need to wait for 15-90 days before you are allowed to buy a policy. Health Insurance companies like ManipalCigna, Niva Bupa, HDFC ERGO and ICICI Lombard provide such a cooling off period for health insurance buyers.
So, if a COVID-19 survivor has any health issues, he/she needs to undergo a medical examination and wait up to 30 days before buying health insurance. Some insurers also impose a 30-day cooling-off period before issuing a policy to a COVID survivor. Read this page and know more about the cooling-off period in Health Insurance.
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A cooling-off period comes with the following features and conditions: