What are waiting perdiods?

Waiting periods are designed to prevent that the community of the insured is burdened with expenditures immediately after a policy is taken out. A distinction is made between general and specific waiting periods. The general waiting periods amount to three months from the commencement of the policy, but do not apply for treatments required because of an accident. The specific waiting periods for childbirth, psychotherapy, dental treatment, dentures and orthodontics amount to eight months from the commencement of the policy. The general waiting periods can be waived under certain circumstances (e.g. upon presentation of a doctor’s certificate or based on a previous insurance).