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.

Manipulation, according to the American Psychological Association, is behavior designed to exploit, control or otherwise influence others to one’s advantage. Some people Some people do this with words; others through actions. In a new study, researchers found that there is another act that manipulators often use to their advantage.

We think of a hug or a hand on the arm as comforting and connecting. But a new study suggests that these simple actions can hide a darker intention. Research in the journal Current Psychology reveals that people who are manipulative and self-centered (narcissistic) often use touch to calculate how to influence or control their romantic partners.

Senior researcher Richard Mattson points out that in these relationships, you not only miss out on the good feelings that touch usually brings like lower stress and a boost of the "love hormone" oxytocin, but the touch is actively used to benefit the manipulative person, often hurting their partner in the process. This work connects how someone touches with who they are.

How Do Narcissists Manipulate With Touch?

Most studies look at the positive effects of touch, but this research focused on the opposite: when touch is used to harm or trick someone. The study centered on people who showed traits belonging to the "Dark Triad," which is a group of three linked, negative personality traits:

Narcissism: Being extremely self-focused, needing admiration, and lacking empathy for others.

Psychopathy: Having very little empathy (inability to understand others' feelings) and acting impulsively.

Machiavellianism: Being cunning and manipulative to reach personal goals, often deceiving others.

The researchers surveyed over 500 college students about their comfort with touch and how they used it in relationships. They found that people with high levels of these dark traits were significantly more likely to use touch as a tool to control, influence, or manipulate their romantic partner, proving it wasn't about affection but about power.

Does Gender Affect How Manipulators Act?

The study revealed some interesting gender-based difference in how these manipulative traits showed up:

Men with these darker traits tended to use touch in an effort to feel more connected to their partner. This was especially true if they already felt insecure or unstable in the relationship, using touch as a way to reinforce their bond or ease their own anxiety.

Women with "Dark Triad" traits often reported feeling uncomfortable when they were touched by others. However, they were still more likely than others to use touch themselves as a means of controlling or influencing their partner.

Experts summarized the core attitude of these personality types as "me first, you second." This self-serving belief is so strong that it affects even how they handle affection and physical closeness—an important part of any relationship.

Can Recognizing Signs Help Build Better Relations?

People with high "Dark Triad" traits often have romantic relationships that are short-lived, troubled, and complex.

The study's findings offer a path toward solutions. Since touch is a powerful, low-cost tool for providing support and promoting better health, Mattson suggests this information can help create new interventions. The goal is to "leverage touch" to teach people, especially those who avoid touch or use it to manipulate, how to use it in healthy, caring, and mutual ways. Instead of using touch for control or self-protection, they could learn to use it to truly connect and support someone else.

Many struggles that were once simply called "teenage behavior" are now understood as signs of ADHD. Teens with ADHD often face extra pressure from school and social life, like falling behind or struggling with communication, because their brains are wired differently. This constant stress is very common, according to the Child Mind Institute, and a new study has found an answer to this problem.

Whether it is less structured lives at home or school, stress of falling behind or not doing well with communication that works well for other students, etc. This kind of pressure and stress is very common for ADHD teens.

But a new study found a powerful, non-medication solution to this stress: exercise. The research, published in the Journal of Affective Disorders, shows that just three weeks of regular, planned exercise helped teens with ADHD feel much less stressed. It didn't make them instantly calm; it taught their nervous system a healthy way to quiet down and cope.

Why Do Teens With ADHD Need Structure?

A teen with ADHD often struggles with follow-through—what they want to do is often stopped by what their brain allows. In the study, when teens did moderate exercise (getting their heart rate up) for three weeks, their stress levels dropped.

Researchers introduced a three-week program of moderate-to-vigorous activity to adolescents with ADHD. At the program's conclusion, the teens reported a drop in their perceived stress levels.

Normally, constantly being stressed can wear out the body, causing cortisol levels to flatten. This means the body stops knowing how to respond to stress properly. The exercise actually "wakes up" this system so the teens can handle stress better and recover faster.

Simple, repeated movements (like running or dancing) give the nervous system a predictable rhythm. This rhythm tells the body it's safe, helping the teen move away from feeling "fight-or-flight" and toward a calmer state.

Neurotransmitter Boost

Movement increases brain chemicals like dopamine and norepinephrine—the same ones targeted by ADHD medication. This is why teens often feel more focused and clear-headed after sports or other physical activity.

Quick Results

The study saw great results in only three weeks, which is encouraging for parents. You don't need a huge, long-term plan to start seeing changes. Even small, regular movement (20 to 40 minutes, a few times a week) can start regulating your teen’s stress.

How Can You Make Your Home Life More Structured?

To make exercise a part of your teen’s life, forget about making them comply. Instead, focus on consistency and fun. Aim for movement three or four times a week, as long as it raises their heart rate and is enjoyable. The key is to make it fun, not a chore:

Let them choose

ADHD brains love new things and things they are interested in. Let your teen pick the activity, like shooting hoops, martial arts, or rollerblading. If they enjoy it, they’ll stick with it.

Reframe the activity

Think of movement as a way to change their mood or energy quickly. When your teen seems overwhelmed or too hyper, suggest a short burst of activity, like five minutes of jumping jacks, a quick walk, or just dancing to music.

Join in

Teens are more likely to participate when parents join in. This makes movement a time for connection, not a chore or a punishment.

You can try your own three-week challenge at home. Track how your teen's stress, mood, and sleep change. This helps them connect the dots between moving their body and feeling better.

Ultimately, exercise gives your teen a way to feel in control and safe. To help them stress less, start with their feet, not just their head.

As with every flu season, new strains of the virus that causes COVID-19 are spreading across Europe, the United States, and other parts of the world. The latest one to draw attention is the Stratus variant, also known as the “Frankenstein variant.”

Scientifically labeled XFG, this variant has become increasingly dominant in Germany and several European countries since mid-2025. Both the World Health Organization (WHO) and the European Centre for Disease Prevention and Control (ECDC) have listed XFG as a variant under monitoring (VUM), meaning it is being closely tracked, though it is not yet considered a major threat.

What Is the ‘Frankenstein’ Variant?

The XFG variant is a recombinant strain, a mix of two earlier sub-lineages, LF.7 and LP.8.1.2. Much like Frankenstein’s creature, which was stitched together from different parts, this variant combines genetic material from multiple virus lines.

Such mutations are a normal part of how viruses evolve over time. The nickname “Frankenstein” first appeared during the spread of Omicron in late 2021, when new combinations of subvariants began to surface. For now, both the WHO and Germany’s Robert Koch Institute (RKI) rate the overall risk from XFG as low.

Is the Frankenstein Variant Behind Your Persistent Cough?

Most infections caused by the Stratus (XFG) variant appear mild, particularly among those who are vaccinated or have received booster doses. However, according to the U.S. Centers for Disease Control and Prevention (CDC), this variant has one feature that sets it apart, a persistent, dry cough that lingers long after recovery.

Doctors in the UK and India have also noted other possible signs linked to this variant, including a sharp, burning throat pain and hoarseness of voice. These symptoms could explain why some people experience a cough that seems to “never go away.”

Frankenstein Variant Spreads Across Germany and Europe

Data from the Robert Koch Institute (RKI) and the ECDC show that XFG has become the dominant strain in Germany since mid-2025, accounting for an increasing share of sequenced COVID-19 cases. The variant has also been detected in several other European countries, such as France, Spain, and the Netherlands.

While case numbers across Europe remain relatively high, the ECDC reports that infections are gradually declining in most regions.

How to Stay Safe From the Frankenstein Variant?

During the respiratory illness season, health authorities continue to remind people to stay up to date on recommended vaccines, including those for COVID-19, influenza, and respiratory syncytial virus (RSV).

“These vaccines provide strong protection against severe illness,” the Public Health Agency of Canada (PHAC) stated, urging individuals to consult their healthcare provider or local health authority about their eligibility.

Personal safety measures include:

• Staying home when you feel unwell
• Wearing a well-fitted mask in crowded or enclosed places, or if you’re sick and around others
• Improving indoor ventilation wherever possible
• Washing hands regularly
• Covering coughs and sneezes
• Cleaning and disinfecting surfaces that are frequently touched

These simple precautions remain the most effective way to prevent infection and limit the spread of respiratory viruses, including new COVID-19 variants like Frankenstein (XFG).