•You can submit a claim to us arising from an insured event once the policy has been issued. However, some benefits are subject to a waiting period, examples Restorative dental treatment, Inpatient treatment of AIDS & HIV, Maternity, Palliative care, Hospice care, care for persistent neurological damage and Psychiatric treatment. For benefits with waiting periods, we will not pay for any claims incurred within the waiting periods.
•In addition to the waiting periods, all claims are subject to the terms, conditions, and exclusions in the policy before we can confirm that the claim is eligible.