Is there an observation period after health insurance is restored?

There is an observation period after the health insurance is restored. For health insurance, the waiting period is generally recalculated after the policy is reinstated, so there will be an observation period after the policy is reinstated. If the insured has an insurance accident during the observation period, the insurance company will not compensate. As for other types of insurance, if there is no observation period, there will generally be no observation period after the reinstatement.

It should be noted that when applying for policy reinstatement, the insured generally needs to pay a certain late fee. If the insured's health status changes or his job changes, the insurance company will usually re-approve the risk level and insurance premium rate, so there may be an increase in expenses after the reinstatement.

Also, it is not the insured who applies for reinstatement, and the insurance company will definitely reinstate it. The insured must submit sufficient suretyship, and must make up the previously unpaid insurance premium and interest.

If the policy expires for more than two years, it will be permanently invalid, and the insured cannot apply to the insurance company for reinstatement.