I am guessing you are refering to the (what we call as) waiting period.

for health related insurance, there's a waiting period. i forgot how long.

example, there's 30 days waiting period for critical illnesses, and 60 days for specific ones. these 2 waiting period is standard across all companies, i believe. LIAM and PIAM sort of monitor i believe.

it's pretty standard among insurance companies. this is to protect them. but if one gets into an accident, then one can immediately claim from their medical card. after all the waiting period applies to sickness not accidents.

For Prudential, the waiting period, look at the attachment. For Critical Illness, it is 60 days and for Specified Illness, it is 120 days from the date the policy is in force.

Accidents is covered immediately upon the policy is in force.

The list of Specified Illness is mention under the Exclusions.

As you may already know, the insurance is a contract and in any contract it cannot be one sided.

Without the Waiting Period, people will not take insurance when they are healthy. We might as well wait till we got cancer and then only take insurance.

Rest assured that once the Waiting Period is over, the cover will start. I had clients making claims 8 mths after policy in force for kidney stones, bill Rm32k & slip disc 7 mths after for Rm42k.