A PED is any condition diagnosed or under treatment before cover starts - diabetes, hypertension, thyroid, asthma, etc. Retail policies apply a waiting period before covering PEDs; group GMC typically covers them from day one. Accurate, no-underwriting inclusion of PEDs is a defining strength of employer cover.
In India
Given India's high prevalence of lifestyle conditions, day-one PED cover under group policies is genuinely valuable - and a reason employees fear losing group cover on exit.
In practice
A new joiner already on blood-pressure medication is admitted for a related complication in month two. Under group GMC it's covered; the same person on a fresh retail policy might face a 2–3 year PED wait.