Is the waiting period for health insurance valid?

It depends on the type of insurance purchased and the cause of the accident. The waiting period of health insurance is the observation period/exemption period of insurance products. Generally speaking, insurance companies take risks during the waiting period and do not assume the responsibility of protection. However, there are claims in a few cases, such as personal injury and accidental injury caused by unexpected reasons after the policy takes effect. No matter whether it is critical illness insurance or medical insurance, there is no waiting period for the protection of accidental injury.

Usually, the risk of health insurance in the waiting period needs to be divided into illness or accidental injury. Therefore, the situation agreed in the contract needs treatment due to accidental injury during the waiting period, and when it reaches the compensation state agreed in the contract, it can get corresponding compensation; If you are out of danger due to illness: medical insurance and critical illness insurance generally do not pay.

According to the Management Measures for Health Insurance issued by CBRC on 20 19, the waiting period shall not exceed 180 days. At present, the waiting period of most health insurance in the market is set as follows: the waiting period of medical insurance is generally set to 30 days, and the waiting period of critical illness insurance is generally set to 90 days or 180 days. The waiting period of different products may be different, depending on the terms. Therefore, the applicant or the insured must read the insurance contract carefully and confirm the waiting period of insurance.