When we take out an insurance policy, we can think that all the coverage’s we offer protect them from the moment the product is signed. However, there are some coverage’s that have a period of time in which the protection is not active yet, is what is known with grace period.
What is the period of lack in health insurance, how does it affect me in pregnancy
In a simpler way we could say that the grace period is the time that will elapse between the entry into force of the insurance contract and the moment when a specific coverage begins to be effective.
In no case we are before the policy not complete or half simply have to take into account which coverage’s are subject to this period of lack and that therefore will not be active from the beginning. This is an extended and logical practice if we consider special cases such as pregnancy or childbirth. And is that the insurer will want to make sure that a person does not contract the policy and becomes pregnant the next day or, worse yet, plans to give birth in a week.
It must be taken into account that the vast majority of cases, the urgencies exhibit periods of lack.
Lack of all health insurance?
No. The grace period does not exist all the insurance and of course does not apply all the coverage’s. It is true that it is in the segment of health insurance where more coverage with shortage periods we will find.
These periods of shortage are also not uniform, will depend not only on the type of coverage but also the type of insurance that we have contracted and even the general offer of the insurer.
Obviously, we can clearly extend that these periods of lack become a tool by which insurers avoid the subscription of insurance exclusively destined to cover emergencies or preexisting diseases.
The period of lack before pregnancy
The periods of lack of the different insurance cultures are always necessarily reflected in the general conditions of the contracted policy. For example, the usual average period of absence of dental health insurance is around 30 days; while in certain insurance coverage can be around 24 months.
In the case of pregnancy, usually the periods of grace are fixed at around eight months. For practical purposes, this means that it will be necessary to wait eight months from the time the policy is contracted until you can use your coverage for a pregnancy.
The importance of periods of lack, as we have seen, is capital. When we decide to contract health insurance, it is essential to compare the periods of grace applied to the insurance coverage we have chosen to adapt the product to our real needs, both protection and economic.