Are there any waiting periods for certain coverage under life or health insurance?

Swiss Re Life & Health typically includes waiting periods for specific types of coverage in its life and health insurance policies. These waiting periods can vary depending on the type of insurance and the specific terms of the policy. A waiting period is the duration during which certain benefits are not payable after the policy is initiated. For example, in health insurance, there may be waiting periods for specific conditions or treatments, particularly those that are considered pre-existing or for elective procedures. In life insurance, waiting periods can also apply, particularly in cases of accidental death or where the insured has a history of health issues. This approach helps insurers manage risk and ensures that policies are not misused or subjected to inappropriate claims shortly after issuance. It is essential for policyholders to carefully review their insurance documents to understand any applicable waiting periods and the reasons behind them. This information is typically outlined in the policy terms and conditions. For individuals seeking specific details or looking for current explanations regarding waiting periods, it would be beneficial to explore the latest information available on the official Swiss Re website.