Check which benefit the period applies to, its start date and any exceptions. Do not assume the whole policy is inactive or that every waiting period has the same length.
Ask whether a proposed switch preserves an existing entitlement, introduces a new waiting period or requires evidence of earlier cover. Obtain the answer for the actual group and benefit.
Put any confirmed waiting period into employee instructions using dates and the benefit name. Keep it separate from exclusions that may continue after the period ends.
Sources
- MoneySense: Health insurance terms: Know what you are paying for
Premiums; deductibles and co-insurance; exclusions; riders. Retail-health examples are not universal group-policy terms.
Reviewed 23 October 2026 · Source details
- Income Insurance: Employees FlexCare (group insurance for employees)
Reviewed 23 October 2026 · Source details