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International Health and Hospital Plan(Español)

Policy Conditions ( including glossary )

Art 3. Waiting periods in connection with new insurance contracts and extension of cover

3.1 When a new insurance contract is entered into,

the right to reimbursement under the new insurance contract shall only take effect 4 (four) weeks after the commencement date of the insurance. However, this does not apply when the policyholder can prove simultaneous transference from an equivalent insurance with another international health insurance company.

3.1.1 In the event of acute serious illness and serious injury, the right to reimbursement shall, however, take effect concurrently with the commencement date of the insurance.

3.1.2 In addition, the waiting periods listed below shall apply for the insurance contract:

a) for expenses incurred in connection with pregnancy and childbirth and consequences thereof, the right to reimbursement shall only take effect 12 (twelve) months after the commencement date of the insurance.

b) for expenses incurred for orthodontics the right to reimbursement shall only take effect 24 (twenty-four) months after the commencement date of the insurance.

3.2 The insured may change his / her insurance cover to another type of cover as from a policy anniversary by giving 1 (one) month's written notice to the Company and subject to proof of insurability according to Art. 1

3.3 The Company will process the extension of cover as a new application in accordance with Art. 1

3.4 If extended cover is taken out under the insurance contract, the right to reimbursement under such extension shall only become effective 4 (four) weeks after the commencement date of the extension. However, Art. 3.1.2 a) and b) shall still apply. During the waiting period, the previous cover shall apply.

3.4.1 In the event of acute serious illness and serious injury, the right to reimbursement under the extended cover shall, however, take effect concurrently with the commencement date of the extension.