What should I do if I get sick during the waiting period of critical illness insurance

Critical illness insurance.

If the critical illness occurs for the first time during the waiting period, the insurance company will terminate the critical illness contract and refund the premium paid (without interest).If the illness is not covered by the contract, the insurance contract will generally continue to be valid.

Insurance waiting period.

It means that within a specified period after the effective date of the insurance contract, even if an insured event occurs, the beneficiary cannot receive insurance compensation, and this period is called the waiting period. In general, the waiting period for critical illness insurance is 90-180 days, and the waiting period for medical insurance is 30 days.

The purpose of the waiting period is to prevent the policyholder from taking out insurance immediately knowing that an insured event is about to occur. The waiting period is generally calculated from the effective date of the contract or the date of reinstatement, and is only applicable to the first year of insurance, and for renewable policies, there is generally no waiting period for the renewal year.

Usually critical illness insurance is within the waiting period for illness or surgery: if it does not reach a mild or critical illness.

The policy continues to be valid and generally does not need to inform the insurance companyIf you meet the conditions for a minor or critical illness, please inform the insurance company that the normal treatment is a refund of the premium and the termination of the contract.

What should I do if I get sick during the waiting period?It mainly depends on what the specific disease is, if it is only a minor illness, the problem is not big, but if it occurs a serious disease, and the subsequent direct cause of a minor and serious illness, then this critical illness insurance is not compensated. [Click to get a free 1-to-1 insurance consulting service].

There are generally three ways to deal with illness during the waiting period: 1. It does not affect the claim, that is to say, after getting sick during the waiting period, it will not have any impact on the insurance contract and subsequent compensation, and there are two main situations: 1) If you suffer from a cold, fever, diarrhea and other minor illnesses that can be treated quickly, you can go directly to the hospital for treatment, and there will be no impact;2) Suffer from uterine fibroids, thyroid nodules and other diseases, they do not belong to the scope of insurance liability, as long as you have made a health notice when applying for insurance, it will not affect the claim, some consumers may be worried, after suffering from these diseases, is it necessary to supplement the health notice, in fact, no, after the insurance is successful, our obligation to inform has been completed, no need to supplement the health notice;2. If you do not pay, the contract will be terminated, and the premium will be refunded, which is generally the case that you suffer from mild, moderate, and severe diseases referred to in the contract during the waiting period, then most of the insurance companies' handling methods are:

Termination of the contract shall be compensated according to the premium paid, or the cash value;3. No compensation, but the contract continues to be valid, and some companies will not pay compensation after suffering from the diseases mentioned in the contract during the waiting period, but will be responsible for the diseases, and the liability for other minor and serious illnesses will continue.

If you need it, you can consult the camel planner. Camel Planning is the core brand of Runan International Insurance Brokers, committed to building a professional and neutral third-party insurance planning platform, using scientific concepts to assist insurance decision-making, so that ordinary families can also enjoy customized protection planning services.

The 90-day waiting period for critical illness insurance means that the insurance company has the right not to settle the claim, or even terminate the contract to refund the relevant premiums within the specified period of time when the critical illness insurance contract is in effect, even if the insured has an insured event specified in the contract.

The waiting period generally refers to the observation period, that is, if the insured purchases a critical illness insurance product and the insured suffers from the illness specified in the contract within a period of time from the effective date of the insurance contract, the insurance company will not compensate the insured, but only refund the premium or cash value paid.

The waiting period for critical illness insurance is generally 90 days or 180 days, and the shorter the waiting period, the more beneficial it is to consumers, because the waiting period set by insurance companies is mainly to prevent moral hazard and prevent consumers from taking out insurance with illness, causing damage to the interests of insurance companies.

Also known as the observation period or exemption period, it refers to the period of time from the effective date of the insurance contract in medical insurance and critical illness insurance, the insurance company will not pay compensation for the insured's illness according to the agreement, or only refund the insurance premium or cash value paid by the policyholder. [Click to get a free 1-to-1 insurance consulting service].

If you have any questions, you can consult Camel Planning. Camel Planning has a team of senior consultants and experts in the industry, and truly recommends products suitable for users objectively from the perspective of users. There are also technical experts from well-known Internet companies who use big data, cloud computing and artificial intelligence to help users scientifically configure security solutions; There is also a complete and powerful claims assistance team, the team members are senior experts who have been engaged in related fields of the industry for more than ten years, involving claims, law, underwriting, medicine and other fields, so that users can claim insurance without worry.

The waiting period of 90 days in critical illness insurance means that within 90 days of the effective date of the insurance contract, if the insured is out of insurance, even if the claim conditions are met, the insurance company has the right not to pay.

At present, most critical illness insurance products on the market have a waiting period, and if the insured is diagnosed with the contracted illness during the waiting period, the insurance company will not be liable for the claim, which means that the consumer will not be able to obtain the corresponding compensation. Of course, this is not the case if it is caused by an accident.

Generally, the waiting period for long-term critical illness insurance is 90 days or 180 days, and under the same conditions, the waiting period of 90 days will be more beneficial to consumers than 180 days.

Speaking of which, is it possible that if the insurance is out of the waiting period, the insurance company will definitely not pay the claim? For those who still have questions about this issue, you can take a look at this article: The insurance company will not pay during the waiting period? If you don't understand, you'll suffer a big loss!

In other words, the shorter the waiting period, the sooner consumers can enjoy the protection services of insurance, the more beneficial it will be, so when choosing critical illness insurance products, you must look at the waiting period of the selected products and try to choose some insurance with a short waiting period.

Finally, in order to avoid falling into the pit when buying insurance, the following is a guide to avoiding pits, remember to collect: [insurance] which is good, how to buy a good deal, and teach you to avoid these pitfalls of insurance.

Not only critical illness insurance, but also many insurance plans have waiting periods, and the waiting periods are different for different products, but their purpose is the same.

The waiting period in insurance is a period of time specified in the insurance contract during which certain risks incurred may not be covered by the insurance company.

This is done by the insurance company to assess the risk level of the insured within a certain period of time after the contract is signed to ensure the fairness and stability of the insurance contract.

Critical illness insurance also generally has a waiting period, during which the insurance company will not provide benefits if the insured person is diagnosed with an insured critical illness.

The waiting period is usually between 30 days and 90 days, depending on the insurance company and product.

The waiting period can better protect the insurance company from malicious actors and submit a claim immediately after purchasing the insurance.

At the same time, the waiting period can also encourage the insured to pay attention to his or her health and eating habits, and then file a claim with the insurance company after the waiting period.

It is important to note that the waiting period should not be confused with the deductible. The deductible is the amount of compensation that the insured needs to bear as stipulated in the insurance contract, which is generally deducted from the claim amount.

In contrast, a waiting period refers to a specified period of time after the purchase of insurance during which certain risks may not be covered by the insurance company.

If you're considering critical illness insurance or other insurance products, make sure you understand the specifics of the insurance wording, including the terms and conditions of the waiting period and deductible. If you have any uncertainties or questions, please feel free to consult Daddy!

In addition to critical illness insurance, many other insurance products may also have waiting periods, some of the most common ones are:

1.Life insurance: There is generally no waiting period for life insurance, but during the waiver period, if the insured dies in an accident, the insurance company will not be able to pay the death insurance benefit.

2.Accident insurance: Some accident insurance plans may have a waiting period, such as 24-hour coverage, which usually provides coverage in the event of an accident that occurs outside of 24 hours.

3.Medical insurance: Medical insurance generally has a waiting period during which the insurance company will not cover the payment for specific illnesses or medical expenses.

It is important to note that the setting of the waiting period and the exclusion clause may vary depending on the insurance company and the product. Understanding the terms and conditions of insurance is important for you to purchase insurance and get reimbursed by insurance. When purchasing insurance, make sure to read all the terms and conditions in the contract carefully and consult with the insurance company or a professional for more information.

Hello dear, happy to answer for you. The waiting period for critical illness insurance of the Chinese People's Insurance Company is 90 days, and the insurance waiting period is also called the observation period and the trial insurance period. Generally, it refers to a certain period of time after the effective date of the insurance contract, such as 90 days, 180 days, and the insured's medical expenses caused by illness, and the insurer is not liable.

After the waiting period, the insurer is liable. However, the medical expenses caused by the accident during the waiting period are still within the scope of the insurer's responsibility, and the insurer shall bear the responsibility of paying the insurance benefits. Most current health insurance policies have a waiting period.

The introduction of the insurance waiting period means that although the validity of the insurance contract has been created, the insured person is not immediately covered by the insurance. The length of the waiting period is formulated according to the incubation period of the disease and other factors, and has a certain scientific basis. Of course, if the insured is sick before the insurance and is hospitalized after the waiting period**, it means that the disease is very serious, and the insurer will still pay under normal circumstances.