90 Day Waiting Period

Learn All About 90 Days Waiting Period for Critical Illness Insurance.

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What is the 90 Days Waiting Period?

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.

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Why Choose the Thaiger?

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.

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Why Do You Need to Wait 90 Days?

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.

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What are the main advantages of critical illness insurance?

If you become sick and are unable to work, critical illness insurance will be able to help you financially, check out the list below to see more advantages.

Freedom to spend the payout as you like

One of the most significant advantages is that the insurance can provide you with a lump sum of money that you can use however you see fit. This could include paying off debts or financially helping your family members

You could use the funds to generate more income

While you believe you will never need to make a claim, if you do, it is a smart idea to spend a portion of the funds to invest. After paying all the outgoings, many parents decide to invest with the intentions of generating a future income for their children.

Additional coverage for medical emergencies

These policies are inexpensive and offer extra protection for medical emergencies such as heart attacks, strokes, cancer, and other illnesses. These plans shell out cash to help offset the costs of these emergencies or illnesses, which are usually higher than normal medical costs.

Increases Chances of Survival

Hospital bills pile up quickly when someone is seriously sick. Things get much more difficult if the patient is the only primary earner when there are no other means of income and life becomes difficult. Critical illness insurance will cover both in-hospital and out-of-hospital costs, as well as offer income compensation during the process of recovery.

Is it important to know about the 90 days waiting period?

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

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