# Health insurance with pre-existing diseases Indi… · 20 May
> What ChatGPT, Gemini, and Google AI Mode said about: Health insurance with pre-existing diseases India 2026. Brands named, sources cited, sentiment per eng…

Canonical URL: https://cite.solutions/state-of-ai-india/health-insurance/reports/2026-05-20/p/26
Source: Cite Solutions (cite.solutions)
Published: 2026-05-20
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[← Health Insurance · 20 May 2026](/state-of-ai-india/health-insurance/reports/2026-05-20)One prompt · three engines

Prompt 26 · 20 May 2026

# Health insurance with pre-existing diseases India 2026

Three engines were asked the exact prompt above on 20 May 2026. Below is the verbatim answer each one gave, the brands it named, and the URLs it cited.

ChatGPTgpt-5-5

Answered 20 May 2026

In Insurance Regulatory and Development Authority of India (IRDAI) rules applicable in 2026, health insurance for pre-existing diseases (PEDs) is available, but coverage depends on disclosure, waiting periods, and underwriting. Key things to know: ### 1\. Maximum PED waiting period is now 36 months IRDAI reduced the maximum waiting period for pre-existing diseases from 48 months to 36 months (3 years). Many insurers now offer 1–3 year PED waits depending on the plan. A PED generally m

Brands named

[HDFC ERGO Health](https://hdfcergo.com "Visit HDFC ERGO Health")[Niva Bupa](https://nivabupa.com "Visit Niva Bupa")[Care Health](https://careinsurance.com "Visit Care Health")[Star Health](https://starhealth.in "Visit Star Health")[ICICI Lombard Health](https://icicilombard.com "Visit ICICI Lombard Health")[Aditya Birla Health](https://adityabirlacapital.com "Visit Aditya Birla Health")

Sources cited · 1

* [www.policyjack.compolicyjack.com/ped-waiting-period-health-insurance](https://www.policyjack.com/ped-waiting-period-health-insurance/?utm%5Fsource=chatgpt.com)

Geminigemini-3-flash

Answered 20 May 2026

Navigating health insurance with Pre-Existing Diseases (PED) in India has become significantly more buyer-friendly, thanks to recent, sweeping reforms by the Insurance Regulatory and Development Authority of India (IRDAI). If you or your family members have chronic conditions like diabetes, hypertension, asthma, or thyroid disorders, the landscape is much more favorable than it used to be.\[www.onea

Brands named

[Care Health](https://careinsurance.com "Visit Care Health")[Star Health](https://starhealth.in "Visit Star Health")[HDFC ERGO Health](https://hdfcergo.com "Visit HDFC ERGO Health")[Niva Bupa](https://nivabupa.com "Visit Niva Bupa")

Sources cited · 1

* [www.oneassure.inoneassure.in/insurance/health-insurance-compare/wait-times-pre-existing-diseases-comparison](https://www.oneassure.in/insurance/health-insurance-compare/wait-times-pre-existing-diseases-comparison#:~:text=As%20of%20April%202024%2C%20the,longer%20than%2036%20months%20now.)

AI ModeGoogle AI Mode

Answered 20 May 2026

Securing health insurance with Pre-Existing Diseases (PED) in India has become significantly easier due to strict regulatory changes implemented by the \*\*Insurance Regulatory and Development Authority of India (IRDAI)\*\*. (https://www.gktoday

Brands named

[Plum Insurance](https://plumhq.com "Visit Plum Insurance")[Aditya Birla Health](https://adityabirlacapital.com "Visit Aditya Birla Health")[Tata AIG Health](https://tataaig.com "Visit Tata AIG Health")[ICICI Lombard Health](https://icicilombard.com "Visit ICICI Lombard Health")[ManipalCigna](https://manipalcigna.com "Visit ManipalCigna")

Sources cited · 2

* [blog / health insurance / health articles / health insurance for pre existing conditionssbigeneral.in/blog/health-insurance/health-articles/health-insurance-for-pre-existing-conditions](https://www.sbigeneral.in/blog/health-insurance/health-articles/health-insurance-for-pre-existing-conditions)
* [health insurance / general info / news / irdai lowers ped waiting period from 4 years to 3 yearspolicybazaar.com/health-insurance/general-info/news/irdai-lowers-ped-waiting-period-from-4-years-to-3-years](https://www.policybazaar.com/health-insurance/general-info/news/irdai-lowers-ped-waiting-period-from-4-years-to-3-years/)

[← Prompt 25](/state-of-ai-india/health-insurance/reports/2026-05-20/p/25)[Back to edition ↑](/state-of-ai-india/health-insurance/reports/2026-05-20)[Prompt 27 →](/state-of-ai-india/health-insurance/reports/2026-05-20/p/27)