Before you buy a health insurance, it is important that you understand its waiting period first. What exactly is the waiting period for a health insurance? It is the time you must wait before your policy covers certain conditions or treatments.

The longest waiting period, especially for pre-existing conditions, can stretch up to four years, depending on the insurer and the policy you choose. This guide will help you to understand how exactly does this waiting period work. This guide will answer all your questions, including: the longest wait you might face, and effective strategies to reduce or manage them.

What is the Longest Waiting Period for Health Insurance?

The longest waiting period for health insurance, particularly for pre-existing conditions, can extend up to five years.

According to Insurance Regulatory and Development Authority of India (IRDAI) guidelines, the illness-specific waiting period cannot exceed three years. For pre-existing diseases, the waiting period cannot exceed five years.

Depending on the insurer and the specific health plan, the waiting period for these conditions typically ranges from one to three years.

How Can You Reduce the Waiting Period in Health Insurance?

While health insurance policies often come with a waiting period, it is possible to shorten or modify these restrictions by opting for certain covers, usually at an extra cost.

The options available for reducing the waiting period vary from various insurer, so it is important to check the specific details with your provider.

Here are some methods to help reduce the waiting period on your health insurance policy:

Choose a Policy with a Waiting Period Waiver

Some insurers offer waiting period waivers as add-ons or features within their health insurance plans. These waivers can help lower or even remove waiting periods for certain types of coverage.

For instance, a Pre-existing Disease (PED) waiting period waiver could reduce the waiting time for pre-existing conditions.

Add a Top-Up Plan

Top-up plans or riders are additional coverages that can be attached to your existing health insurance policy. These plans often come with reduced waiting periods and enhanced protection, helping you access benefits sooner.

Negotiate with Your Insurer

If you have a clean health history or have been a loyal customer, you can negotiate with your insurer to shorten waiting periods. Some insurers may consider such negotiations, especially for long-term policyholders.

Specialized Plans for Pre-existing Conditions

Certain insurers offer specialized policies with shorter waiting periods if you have a pre-existing condition not covered by regular plans. However, these plans usually have a higher premium to compensate for the increased risk.

Opt for Co-Payment

You can often reduce waiting periods by agreeing to a co-payment option, where you share a portion of the medical costs with the insurer. This arrangement lowers the insurer’s risk and may result in quicker access to coverage.

What are the Different Factors That Influence the Duration of the Waiting Period in Health Insurance?

The length of the waiting period in health insurance is shaped by several elements, which can vary depending on the policy type, the insurance provider, and specific health conditions.

These factors determine how long policyholders must wait before claiming benefits, whether for pre-existing conditions, certain treatments, or maternity coverage. Being aware of these factors allows individuals to choose policies that match their healthcare needs.

Here are some key factors that impact the duration of the waiting period:

Type of Insurance Policy:

The type of policy determines the waiting period. Each has its specific terms depending on the type of policy being issued. It is smart to consult your insurer beforehand for details concerning this.

Pre-existing Medical Conditions:

If you have a pre-existing health condition, it will attract a waiting period of two to five years with insurers. The severity of the condition and the type of condition also contribute to this factor.

Age of the Policyholder:

Older individuals typically experience extended waiting periods for specific treatments or pre-existing conditions, as they have higher health risks due to age.

Insurer’s Policy Guidelines:

The waiting periods vary between insurance providers. Some insurance companies may agree to allow you to select a shorter waiting period, but at the cost of paying a higher premium.

Type of Treatment or Condition:

In general, treatments that are expensive or that are not immediately necessary, like surgeries or joint replacements, fall under a ‘waiting list’. These can take up to two years or even more, depending on the policy you avail from the insurer.

The waiting period in health insurance can significantly impact when you start benefiting from your coverage, especially for pre-existing conditions or costly treatments.

You can reduce these waiting times by choosing policies wisely, negotiating with your insurer, or adding top-up plans. Awareness of the above-mentioned factors about waiting periods helps you be prepared and look for a policy that meets your needs more closely.

The so-called “mystery virus” behind lingering sore throats, blocked noses filled with mucus, and days of exhaustion is actually well known to doctors. According to Eric Sachinwalla, medical director of infection prevention and control at Jefferson Health, the culprit is adenovirus.

What makes this virus particularly difficult to control is how tough it is. Adenovirus can survive soap and water, withstand many everyday disinfectants, and linger on contaminated surfaces for long stretches of time. Below is what experts know so far about this fast-spreading infection.

What Is Adenovirus?

Adenovirus refers to a group of common viruses that usually trigger cold- or flu-like illness. It spreads easily because it is far more resilient than many other viruses. Ordinary soap, water, and standard disinfectants do not reliably destroy it, allowing it to persist in the environment. As a result, infections often cluster in places where people spend time close together, such as daycares and military barracks. The virus spreads through the respiratory tract, can be shed in stool, and can survive for some time on contaminated surfaces, according to the CDC.

Adenovirus: What Are The Symptoms Of Adenovirus?

“Adenovirus is a typical virus that causes common cold or flu-like symptoms,” says Dr Deborah Lee at Dr Fox Online Pharmacy. That does not mean adenovirus is the same as a cold. Instead, adenovirus is one of many germs that can cause cold-like illness. A simple way to think about it is that a “cold” describes the symptoms, while adenovirus is one specific virus that can lead to them.

Symptoms can vary depending on the subtype involved. While there are more than 100 known subtypes, only 49 infect humans. Dr Lee notes that people may experience any of the following:

• Fever
• Runny nose
• Sore throat
• Swollen cervical lymph nodes in the neck
• Cough
• Shortness of breath
• Conjunctivitis
• Ear pain
• Diarrhoea
• Vomiting
• Stomach pain
• Urinary tract infection

Adenovirus? Is It Contagious?

“Adenovirus infection is highly contagious,” Dr Lee explains. “It spreads by breathing in infected droplets, by touching the virus and then rubbing the eyes, or through the faecal-oral route, often due to poor hand hygiene after using the toilet.”

She adds that the virus spreads quickly in crowded settings where people are in close contact. To eliminate adenovirus from surfaces, Dr Lee recommends stronger cleaning agents such as bleach-based solutions or hydrogen peroxide. “The virus is resistant to soap and many commonly used cleaners,” she says.

To reduce the risk of catching adenovirus or other respiratory infections currently circulating, Dr Lee advises staying away from people who are unwell. She also suggests the following precautions:

• Avoid touching your face and nose
• Use a clean tissue to blow your nose and dispose of it immediately
• Wash your hands often with soap and warm water, then dry them thoroughly, especially after using the toilet or changing nappies
• Clean children’s toys regularly
• Disinfect worktops, changing areas, toilets, and bathrooms
• Avoid sharing cups, plates, food, or towels
• Wear a mask if you need to go out while unwell
• Keep windows open and ensure rooms and workspaces are well ventilated.

Dozens of norovirus outbreaks have been recorded nationwide over the past few weeks, and as people deal with intense vomiting, diarrhea, and other uncomfortable or even risky symptoms, a common question keeps coming up: why is there still no vaccine for such a widespread infection.

The Centers for Disease Control and Prevention (CDC) says norovirus cases are increasing toward the end of 2025, with higher activity reported in both the US and the UK. Health officials note that a new, highly infectious strain known as GII.17 is partly driving this rise. Because many people have little or no immunity to it, outbreaks are being seen more often in schools and shared public spaces. While overall case numbers remain within typical seasonal ranges, recent weeks have shown a clear upward trend.

What Is Norovirus?

Norovirus is an extremely contagious virus that leads to gastroenteritis. It commonly causes symptoms such as vomiting, diarrhea, nausea, and stomach cramps, and may also bring fever and body aches. It is often referred to as the ‘stomach flu,’ though it has no connection to influenza.

The virus spreads quickly through contaminated food or water, shared surfaces, or direct contact with an infected person’s vomit or stool. Crowded settings like cruise ships are especially vulnerable. Most people recover within one to three days with rest and enough fluids, according to the CDC.

Norovirus Symptoms 2025

Norovirus usually comes on suddenly, causing vomiting, watery diarrhea, nausea, and abdominal pain. Fever, headaches, and body aches are also common. Symptoms typically appear 12 to 48 hours after exposure and last for one to three days. Because it spreads so easily, infections can move fast through families and communities.

While most cases improve on their own, dehydration is a concern, so warning signs such as intense thirst or reduced urination should not be ignored, as noted by the Cleveland Clinic.

Do We Have A Norovirus Vaccine?

At present, there is no widely available vaccine for norovirus. That said, research has made meaningful strides. Experimental oral vaccines have shown encouraging results in clinical studies, suggesting they may offer protection against multiple fast-changing strains and help reduce how much virus an infected person sheds. Scientists are hopeful that an effective, broadly protective vaccine may become available in the coming years, according to the National Institutes of Health.

Why Don’t We Have a Norovirus Vaccine Yet?

Developing a vaccine for norovirus has proven especially difficult, largely because of how quickly the virus changes. “It really is evolving extremely rapidly, and that’s a big problem,” Patricia Foster, PhD, professor emerita of biology at Indiana University Bloomington, told Health.

Norovirus also exists in dozens of subtypes, with several dominant strains circulating at any given time. This is why people can catch norovirus more than once in their lives. Even if immunity develops against one strain, either after infection or through vaccination, another strain can still cause illness. Centers for Disease Control and Prevention. About norovirus.

Norovirus: Multiple Vaccines Are In The Works

Despite these obstacles, vaccine research is moving forward. Progress has accelerated in part because of newer technologies developed over the past decade. In 2016, Mary Estes, PhD, a researcher at Baylor College of Medicine, and her team found a way to grow norovirus outside the human body. This breakthrough made it possible to test vaccine approaches and treatments more effectively. This step was crucial because common lab animals like mice do not typically get sick from human norovirus.

Today, scientists are testing several experimental vaccines. One example is a 2023 vaccine developed at Washington University School of Medicine in St. Louis that combines protection against norovirus with an existing rotavirus vaccine. Several pharmaceutical companies are also developing candidates, many of which are now in clinical trials, said Amesh Adalja, MD, senior scholar at the Johns Hopkins Center for Health Security, in comments to *Health*.

HilleVax, a Boston-based company, has been testing a norovirus vaccine originally developed by Japan’s Takeda. However, that candidate did not succeed in a phase II trial in June 2024. Meanwhile, a tablet-style norovirus vaccine from San Francisco-based Vaxart has completed phase I testing. Among the most promising efforts is Moderna’s vaccine, which is currently being tested in human volunteers.

Preventing Norovirus, Even Without a Vaccine

Norovirus spreads so easily that stopping it once someone falls ill can be very challenging. This is linked to the virus’s structure. Norovirus is a nonenveloped virus, similar to polio and other stomach-related infections. Because of this, neither hand sanitizers nor soap and water actually destroy the virus, Foster explained. “Handwashing helps because you’re physically rinsing the virus away,” she said.

As a result, basic hygiene practices, especially thorough handwashing, remain some of the most effective ways to lower risk, said Ming Tan, PhD, an infectious disease researcher and associate professor of pediatrics at Cincinnati Children’s Hospital Medical Center, speaking to *Health*.

If norovirus does strike, treatment options are limited. Staying hydrated is essential to avoid complications from fluid loss. Some people may also use medicines to control nausea or diarrhea, either over the counter or by prescription, such as Zofran. If severe symptoms develop, including confusion, high fever, or intense abdominal pain, medical care should be sought right away.

Adenovirus: A newly emerging “untreatable” mystery virus that is being described as stronger than Covid is now spreading across several parts of the world, with experts warning that even common disinfectants may not be effective against it. Known as adenovirus, the infection causes symptoms similar to a severe bout of flu, such as shortness of breath, a runny nose, and a sore throat. What sets it apart, however, is the limited treatment available.

In most cases, people who contract the virus have no option but to manage symptoms and allow the illness to pass on its own. The good news is that adenovirus infections are usually mild. That said, much like Covid or seasonal flu, the risk rises for people with weakened immune systems, who may experience more serious complications, according to a report by The Mirror.

Jefferson Health’s medical director of infection prevention and control, Eric Sachinwalla, has cautioned that unlike more familiar viral infections, there is very little doctors can do to actively treat adenovirus.

What Is Adenovirus?

Adenoviruses belong to a broad family of common viruses that can affect multiple parts of the body, including the airways and lungs, eyes, digestive system, urinary tract, and even the nervous system. They are a frequent cause of fever, cough, sore throat, diarrhoea, and conjunctivitis. Most infections tend to be mild and clear up on their own within a few days. However, health experts are now noting a rapid rise in cases, with the virus spreading quickly and leaving large numbers of people unwell.

The virus is particularly contagious because it is tougher than many others. Routine cleaning with soap and water or standard disinfectants may not be enough to eliminate it, allowing it to survive longer in the environment. This is why outbreaks are often seen in places such as day-care centres and military barracks, where close contact is common. Adenovirus spreads through respiratory droplets, can be passed through stool, and can linger on contaminated surfaces for extended periods, as per Mirror.

Adenovirus Symptoms

Symptoms of adenovirus infection can vary widely. Common signs include shortness of breath, a runny nose, and a sore throat. Some people may also develop diarrhoea or pink eye. The wide range of symptoms is partly due to the fact that there are more than 60 known strains of the virus.

Adenovirus: How Is Adenovirus Different From Covid And Flu?

Adenoviruses, like coronaviruses, spread from person to person and can trigger similar respiratory symptoms. However, they belong to entirely different virus families and behave differently. One key difference is resistance. Coronaviruses are more easily destroyed by disinfectants, while adenoviruses are harder to kill, which allows them to spread more easily than Covid or flu.

For otherwise healthy individuals who feel unwell but do not have severe symptoms such as high fever or breathing difficulty, recovery usually happens at home with basic supportive care. Medical attention is more important for people with weakened immunity, parents of very young infants, or those with existing conditions like heart or lung disease. If symptoms appear, experts advise against walking straight into a clinic. Calling ahead is safer, as doctors may recommend a telehealth consultation if the illness seems highly contagious.

Adenovirus: Is Adenovirus Untreatable?

Most adenovirus infections are mild and resolve without medical treatment. However, if symptoms linger or worsen, there is often little doctors can do beyond monitoring and symptom relief, as the virus largely needs to run its course. Following basic hygiene measures, such as washing hands regularly and cleaning frequently touched surfaces, remains one of the most effective ways to reduce the risk of infection.