What is the meaning of the 90-day waiting period for China Life Insurance's hospitalization medical care?

Hello, hospitalization medical insurance generally has a waiting period, which is to avoid the risk of having an illness and then purchasing the insurance, so the insurance is only available to healthy people. 90 days waiting period means that the hospitalization medical insurance can only be effective after 90 days from the date of purchase of the insurance. The waiting period varies from company to company, from 30 days for Ping An to 90 days for a major illness. So if you want to buy it, you need to buy it early.