What does ‘waiting period’ mean and is there generally a waiting period?
什么是“等待期 (Wartezeit)”？一般是否都有等待期？
The ‘waiting period’ is the period after the insurance has commenced during which there is no entitlement to insurance benefits. With the MAWISTA Expatcare, there is a waiting period in two cases: If the insurance is taken out abroad in the first instance and it is not a follow-on insurance policy or you have not had an accident, there is a waiting period of 14 days before the insurance cover comes into effect. Regular treatment costs for pregnancy will be reimbursed only after a waiting period of 3 months following commencement of the insurance. Childbirth will be covered after a waiting period of 8 months. Example: You travel to Germany on 1 January and have taken out insurance cover for two years. You discover you are pregnant in August. In this case, the insurance company will reimburse childbirth costs only from 1 September (after eight months). Treatment costs will be reimbursed after a waiting period of three months.
所谓“等待期”是指签订合同后还无权享受保险待遇的时间。MAWISTA Expatcare 医疗保险在两种情况下会有等待期： 如果您在国外投保，并且不涉及续保或意外事故，那么只有在 14 天的等待期过后您才可以享受保险待遇。 妊娠常规治疗费用只有在保险生效后经过为期 3 个月的等待期才能报销。分娩治疗费用需在 8 个月等待期结束后才能报销。 例如：您在 1 月 1 日进入德国，并购买了为期两年的保险。同年 8 月，您确认怀孕。在这种情况下，保险将从 9 月 1 日起（八个月等待期）报销分娩费用。保险公司从 4 月 1 日起（三个月等待期）报销妊娠检查费用。