A) There is a waiting period of 30 days from the start of the first time you buy the policy. In case of hospitalisation due to injury or accident, you will be covered from day 1.
B) Apart from this, there are some illnesses for which you cannot make a claim for the first 2 years (refer to Part 2 of the policy wordings for this list).
C) Additionally, in the case of claims relating to the disclosed and accepted pre-existing illnesses, you cannot make a claim for first 2 years.