Hong Kong Health Insurance Waiting Periods
Many Hong Kong Medical Insurance plans will impose a waiting period on certain coverage benefits. A waiting period is the length of time you must have been enrolled on a Hong Kong Health Insurance policy before being eligible to claim for specific types of coverage.
Waiting periods are commonly used to prevent new policyholders from claiming treatment for conditions which may have been pre-existing prior to the start of the plan.
How Do Waiting Periods Work?
Waiting periods will often vary depending on the insurance company you have purchased a Hong Kong Medical Insurance policy from, and may even change within a single provider’s many product offerings. Essentially, a waiting period means that you must have had a Hong Kong Health Insurance plan for a certain amount of time before the policy will provide coverage for a specific condition, or conditions.
Two coverage benefits which will typically have a waiting period are:
Please click the above links for more in depth information about the waiting periods associated with these two types of coverage.
In the case of Maternity Insurance in Hong Kong, a waiting period is normally used to ensure that women who are already pregnant prior to the commencement of a policy are unable to make a claim for a condition which is pre-existing.
A Pre-Existing Medical Condition is deemed to be any medical condition which displayed symptoms, required treatment, or of which the policyholder has been aware prior to the start of a Hong Kong Health Insurance plan. Pre-existing medical conditions are normally excluded from coverage under a Hong Kong Medical Insurance policy.
Hong Kong Health insurance Quote
If you would like more information about the waiting periods attached to individual coverage options, please Contact Us. Alternatively, you can also fill in the form at the top of this page to receive a free personalized Hong Kong Health Insurance quote.