Waiting Periods

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waiting period issues

Waiting periods are the shocks and surprises of many an insurance policy. Many buyers are not aware of the various waiting periods for the various situations.

So if you want to make an insurance claim, six months after buying a policy, you may be surprised that your claim will be rejected because of the waiting period.

For example, if you buy a critical illness plan, you may be covered for many disease conditions. Read the fine print. Coverage for some start after 30 days from policy date. For some cancers or even heart diseases, effective after 60 days from policy date. If differs from your plans, policies and insurer.

For example, if a lady buys a pregnancy insurance plan, because she is getting ready to start a family, she should know that the waiting period to claim for pregnancy benefits is after 12 months from policy date.

Similarly, if she feels that it is time to take up an insurance policy to cover for all the possible female related health conditions such as female cancers, menopause and pregnancy, she should know what the waiting periods for a lady insurance are. She needs to plan ahead to ensure her financial status is protected correctly when the time comes.

You can usually find these details in the terms and conditions of the plan brochure, proposal or the insurance policy itself. Check for what is not covered. The wording would usually be similar to or like “We do not cover if the signs or symptoms of the event defined is manifested prior to or within 30 days or 60 days or 1 year.” It could be line by line or by a category grouping.

Contact our AIA Life Planning Advisor to get in touch with us and start your personal coverage or choose your plan now. Get covered correctly. Be advised correctly. Call today to be advised on the best insurance protection personalized for you. Or send us the form below on your interest.

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