Waiting Period
等待期

这里我们以大东方人寿医药卡为例子。大部分的医药卡都有类似的等待期，仅作参考。
大东方人寿医药卡的等待期通常是指保单持有人在购买保险政策之日起的一段时间内，无法使用医药卡或向保险公司提出任何保险赔偿。这个等待期通常为30至120天左右1。等待期的设立是为了确保在此期间内，保单持有人身体健康，没有任何重大疾病。特定类型的保护，如事故保险，可能不设等待期，因为事故随时都有可能发生1。具体的等待期可能会根据不同的保险计划和条款有所不同，建议直接咨询保险公司以获取最准确的信息。 

The waiting period for Great Eastern Life Malaysia’s medical plan is typically 30-120 days from the risk commencement date or the reinstatement date of the policy, whichever is later1. This waiting period applies to new policies and is a common feature in health insurance plans to prevent claims for pre-existing conditions immediately after the policy is purchased.

For more specific details or any exceptions to this general rule, it would be best to consult directly with Great Eastern Life Malaysia or review the policy documentation, as terms can vary between different plans.

#WaitingPeriod #MedicalCard #医药卡 #等待期 #MedicalPlan #医疗保险

可争议期 - 不可争议期
Contestability period - Uncontestable period 

在医疗保险领域，2年可争议期是指保险合同生效后的前两年内，保险公司有权对保单的有效性提出质疑。这通常涉及到保单持有人在申请保险时提供的信息的准确性。如果在这段时间内保单持有人去世，保险公司可以调查并确定是否存在欺诈或重大的信息不实陈述。

如果保险公司在这个期间发现了申请人在申请时故意隐瞒了重要信息，例如未披露重要的健康状况，那么即使死亡原因与未披露的信息无关，保险公司也可能拒绝支付赔偿金。这是为了防止保险欺诈，确保所有保单持有人都是在公平和透明的基础上获得保险。

在2年可争议期结束后，保单通常会进入所谓的不可争议期。在这个阶段，除非能证明存在欺诈行为，否则保险公司通常必须履行其赔偿义务。

因此，申请保险时提供真实和完整的信息至关重要，这不仅能保护您的权益，也能确保在您或您的家人需要时，能够获得保险公司的赔偿。在选择医疗保险时，务必确保您完全理解保险条款，以便在需要时为您和您的家人提供足够的保障。如果您有任何疑问，建议咨询保险专业人士或直接与保险公司联系以获取更多信息。


In the field of medical insurance, the 2-year contestability period refers to the first two years after the insurance contract takes effect, during which the insurance company has the right to question the validity of the policy. This usually involves the accuracy of the information provided by the policyholder when applying for insurance. If the policyholder dies within this period, the insurance company can investigate and determine whether there is fraud or significant misrepresentation of information.

If the insurance company discovers during this period that the applicant intentionally concealed important information, such as not disclosing important health conditions, then even if the cause of death is unrelated to the undisclosed information, the insurance company may refuse to pay the compensation. This is to prevent insurance fraud and ensure that all policyholders obtain insurance on a fair and transparent basis.

After the end of the 2-year contestability period, the policy usually enters what is called the incontestable period. During this stage, unless fraud can be proven, the insurance company generally must fulfill its compensation obligations.

Therefore, providing true and complete information when applying for insurance is crucial, as it not only protects your rights but also ensures that you or your family can receive compensation from the insurance company when needed. When choosing medical insurance, make sure you fully understand the terms of the insurance to provide adequate protection for you and your family when necessary. If you have any questions, it is recommended to consult with insurance professionals or contact the insurance company directly for more information.