If health policy reinstates after lapse for nonpayment, how many days is the sickness claim waiting period before coverage begins?

• A. 5 days
• B. 10 days
• C. 20 days
• D. 30 days

Answer: (B)

When a health policy lapses and is later reinstated, a probationary period for sickness claims is usually added. This prevents immediate sickness coverage right after reinstatement and gives the insurer a clean start on underwriting the reinstated policy. The sickness waiting period after reinstatement is commonly ten days. So if you reinstate the policy, benefits for sickness won’t begin until ten days have passed since that reinstatement. For example, if reinstated on day zero, sickness coverage would start on day eleven. The options of five, twenty, or thirty days aren’t the standard in this scenario, making ten days the correct period.