What does the waiting period of health insurance mean? If you get sick while waiting, won't you pay?

The so-called waiting period is the time limit set by the insurance company to prevent the insured from cheating. If the insured is out of danger for reasons other than accidental injury during this period, the insurance company will not provide corresponding protection.

Different insurances have different ways to deal with accidents during the waiting period. Some critical illness insurance stipulates that the insured suffers from mild/moderate illness for the first time during the waiting period, and no compensation will be paid, but other guarantees are still valid. If the insured suffers from serious illness for the first time during the waiting period, the premium paid will be refunded and the contract will be terminated.

Don't worry if you really get out of danger during the waiting period. Sister Xue has a guide here. You can get it for free if you need it.

The insurance company will not pay for the accident during the waiting period? If you don't understand, you will suffer a big loss!

Seeing this, I believe everyone already knows that the shorter the waiting period, the better! At present, the shortest waiting period of most critical illness insurance and life insurance on the market is 90 days, the shortest waiting period of medical insurance is generally 30 days, and there is no waiting period for accident insurance. When you buy insurance products, you can buy products that suit you according to this standard.

Besides the waiting period, there are many precautions when we apply for insurance. If you are an insurance white, you must read the following article.

Which kind of insurance is better and how to buy it is more cost-effective, and teach you to avoid these pits of insurance.

For our insured, buying health insurance should not only pay attention to the waiting period, but also understand the protection content of each product. You know, sometimes even if they are all the same kind of insurance, the content of protection is quite different. Take critical illness insurance as an example. Some products can provide light/medium/heavy protection for the insured, while others can only provide heavy protection.

So how can I buy the critical illness insurance that suits me? If you want to get some recommendations from your senior sister, you can look at the following list of high-quality critical illness insurance!

Top ten popular critical illness insurance stocks worth buying!

Hope to adopt

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