As the name implies, a 90-day waiting period is a period of time during which you must wait to receive some critical illness insurance benefits or coverage.
When you buy critical illness insurance, regardless if it’s a rider plan or a standalone policy, you’ll have to wait 90 days for the claims to be processed.
Below are two of the most popular insurance in the market to help make your life in Thailand more enjoyable.
It’s true that smokers may find it harder to get approved for health insurance, but this doesn’t mean that it’s impossible. We can help you get the correct health insurance even if you are a smoker.
With the Thaiger, you can have confidence that we will be there for you when you need us the most. We are focused on your needs and help you find the best critical illness plan that fits your requirement. We will work as fast as we can, so you don’t have to waste any addtional time or money.
Most insurers create a 90 Days Waiting Period clause to prevent policyholders from cheating the system. Insurers don’t want people to purchase critical illness insurance only when they feel something is wrong with their health and see their doctor a few days after purchasing the plan. Doing so is against the purpose of the insurance, which is to protect yourself against the unexpected.
Usually, if you are going to purchase critical illness insurance anyway, you just have to accept the clause and live with it. The plan along with the benefit will start on the 91st day after the new policy is released.
If you want to replace your existing policy, you will need for them to keep their old plans in force until the 90 days waiting period of the new plan is over