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WAITING PERIODS

All you need to know about any Waiting Periods on our
Health & Dental Insurance Plans.
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WAITINg PERIODS in HEALTH & DENTAL INSURANCE...WHY?

It’s simple:
Waiting periods are necessary in order to protect against anti-selection and in turn maintain the stability of premiums.

Can I get my waiting period "Waived"?

Yes. If you have had other health and/or dental coverage within the last 90 days (with proof), we will be able to waive those waiting periods. Therefore, you will have access to those benefits immediately.

How long do I have to wait until I can claim?

The term “Waiting Period” means the continuous period of time during which a participant must be covered by the policy before being eligible for coverage.

Waiting Periods on benefits

HEALTH 


  • Hearing Aid
    6 months
  • Vision Care
    6 months

DENTAL 

  • Basic & Preventive
    6 months
  • Oral Surgery & Root Canal
    6 months
  • Periodontal & Major Dental
    24 months
  • Orthodontic
    24 months
NOTE: Once you have completed the waiting periods you will not be subject to them again, as long as you stay with your current coverage

* Refer to policy for more details.

When is the best time to apply?

All you need to know about any Waiting Periods on our
Health & Dental Insurance Plans.

Today!   We recommend applying for coverage while you are in good health.

Have a question? Get in touch.

ASK our specialists