Are the retroactive period and the statute of limitations in medical liability insurance the same thing?

One is the retroactive period of insurance (i.e., the time period covered by the insurance liability), and the other is the statutory period for the exercise of litigation rights.

The retroactive period of insurance refers to the period of time from the beginning of the insurance period back to the agreed period of time, the policyholder continuous insurance, the retroactive period can be calculated consecutively, but the longest shall not exceed three years. The starting date of the retroactive period shall not exceed the starting date of the insurance period of the first insurance policy. The retroactive period is agreed by both parties to the insurance contract and set out in the insurance contract. The insurance company shall not be liable for insurance accidents occurring during the period after the period has elapsed.

The statute of limitations refers to the civil rights are infringed on the right of the right holder in the statutory period of limitation does not exercise the right, when the expiration of the period of limitation, the debtor obtains the right to the statute of limitations defense. The expiration of the statute of limitations, the right to prevail is extinguished.