In most cases after choosing a health insurance plan, or after having made adjustments to ones current hospital cover or family cover, one may have a minimum waiting period that has been decided by the government. At this time the insurance company and/or government will confirm that the insured person or family will not discontinue the service after a big claim shortly after having joined. In general, people with pre-existing conditions or who are pregnant will have a waiting period of approximately twelve months, around two or three months for psychiatric or mental conditions, and about one or two months for most other health conditions. However, it is important to remember that different insurance companies may have different waiting periods.
Unfortunately not everyone can afford to wait for their insurance claim to be cleared, which is why so many people are interested in the health insurance no waiting period plan. With this plan, people can obtain a discount card which will help one pay for the visit to the doctor. Another name for this is the medical discount plan, and it will also work with dentist visits. The main advantage of this type of plan is that one may see a doctor within three or four days after joining, rather than waiting for a long period of time. In addition, with this type of health fund, one will obtain a discount on dentist and doctor’s fees.