- Claims for a Dengue or COVID-19 test that happen within the 15-day waiting period.
- Claims arising from Dengue or COVID-19 diagnosis that happen within the 15-day waiting period.
- Claims for complications caused by other conditions or illnesses besides dengue fever or COVID-19 during hospital confinement.
- Claims for any medical products or services that are provided free of charge.
Note: Waiting period is the 15-day duration from the Effective Date of the Policy before you can make any valid claim to your policy. The waiting period also applies when you make a change in your benefit coverage. In this instance, the waiting period will start from the effective date of change.