Waiting period is a span of time in which you cannot claim some or all the policy benefits from the insurer.
The duration of the waiting period and its terms and conditions vary according to the policy and benefit type. Thus, it is essential to understand the duration and terms of the waiting period stated in your policy contract.
Do note that for any claims not offered under the Hospital Alliance Services (HAS) facility, the customer is advised to pay first and submit the claims for reimbursement with all supporting documents upon completion of treatment(s). Reimbursement claim is subjected to policy terms and condition.
What are the types of waiting period?
The eligibility for the benefits under the policy will only start after the waiting periods below from the effective date of the policy/certificate or the date of revival, whichever is later.
Conditions |
Waiting Period |
Specified Illnesses |
120 days |
Other Illnesses |
30 days |
Maternity Complications |
365 days |
Accidental Injuries |
Nil |
Please note that if you switch your current plan with another or from one provider to another, you may be subject to new underwriting requirements and waiting periods for the new plan.
If the medical condition(s) is pre-existing or was not disclosed prior to the policy being issued, Guarantee Letters will not be issued. The policyholder is required to pay on his/her own and make a claim where the reimbursement will be subjected to review.
