Health insurance policies often stipulate a waiting period or observation period, mostly 180 days. During the waiting period or observation period, the insurer shall not be liable for the insured's medical expenses or loss of income due to illness. After the waiting period or observation period is over, the health insurance liability will take effect.
Edit the characteristics of this observation period:
The observation period in health insurance means that when the insured applies for insurance for the first time in medical insurance and critical illness insurance,
The insurance company shall not be liable for compensation if the insured falls ill within a certain period from the effective date of the contract.
Judging from the duration of the observation period, in general hospitalization medical insurance, the observation period is generally 60 days or 90 days; In critical illness insurance, the observation period is generally 90 days, 180 days, one year.
The so-called waiting period, also known as deductible period, refers to a period of time from the occurrence of diseases, births and diseases, disabilities and deaths caused by health insurance to the payment of insurance benefits.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.