An initial waiting period of 15 days would be increased to 60 days in the following situations: If the Insured Person is suffering from any of the listed conditions other than Lymphatic Filariasis at the time of taking the policy. In case of the Insured Person is suffering from Lymphatic Filariasis at the time of taking the policy, Lymphatic Filariasis will be excluded from the policy, and for all other listed conditions, the waiting period would be increased to 60 days.