Health
Health Insurance Waiting Periods, Explained
Why some claims aren't paid in the first months or years of a policy — and how to plan around it.
Waiting periods are periods after a policy starts during which certain claims aren't payable. They are one of the most important — and most overlooked — parts of a health policy.
Three common waiting periods
Initial waiting period
A short period at the start of a new policy during which illness-related claims are not covered. Accidents are usually covered from day one.
Specific illness or procedure waiting period
Listed conditions or procedures that are covered only after a defined period of continuous cover.
Pre-existing disease (PED) waiting period
Conditions you had before buying the policy are covered only after a defined period of continuous cover, provided they were disclosed.
How to plan around them
- Buy health insurance early, before health conditions develop
- Renew without a break — continuity counts towards waiting periods
- Use portability rather than starting afresh when you switch insurers
- Compare waiting periods along with premium when choosing a plan
Waiting period lengths differ between products. Always check the policy wording for the exact terms.
This guide is for general information only and is not advice on any specific policy. Policy terms vary by insurer and product — always read the policy wording.
