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# Is There Any Waiting Period Applicable for Viral Infections Like1, Ebola, H1N and now Coronavirus?

Oct 26, 2021

 

Every hospitalization insurance policy comes with a designated waiting period which specifies the number of days that must elapse before the policy coverage begins for specific health conditions. The waiting period differs according to the insurance companies. Before you opt for any health insurance policy for a family, you should first thoroughly understand the waiting period concept as different coverage has different waiting periods and different rules. 


There have been reported many cases where customers subscribe to insurance policies offering incorrect details. To avoid the losses caused by wrongful claims or misrepresented medical history, the insurance companies introduced the concept of a waiting period.


To commence with, the waiting period is a specific span of time before a select list of ailments starts getting covered under your intended health policy.


Types of waiting period:

There are various questions raised for illnesses like H1N1, Ebola, and the latest one being Coronavirus are included in the health insurance and whether or not they have the waiting period associated with it. However, many health insurance policy providers mentioned that COVID-19 could be covered in the health insurance policy, ensuring that your saving is not being affected by it. It is highly advisable to check with your insurer about the terms, conditions, and exclusions.


Health crisis may come to anyone at any point in time, so it is wise to take up health insurance plans to keep yourself and your family financially secure. Several insurance companies offer different critical illness plans with different hospitalization. So before you choose health insurance plans health insurance for your family, you need to research thoroughly to make an informed decision.