What is a waiting period?

A waiting period is the time you must be insured by your policy before you can claim for treatment.

For example, our mental health benefits have a 12-month waiting period. In the first year of your policy with us, we won’t cover any mental health treatment you receive. The waiting period expires after 12 months, so we’ll cover mental health treatment you receive in the second year of your policy and after.

Not all benefits have a waiting period. There’s list of benefits that do.