The Health Insurance companies usually apply a waiting period for Maternity and Dental Treatment.
• Maternity:
a waiting period for maternity cover is usually 10 to 12 months. The policyholder cannot submit any claims regarding maternity costs until at least 10 months after the commencement of the policy. Insurance companies do this to prevent already pregnant women from taking out an insurance plan and submitting large claims.
• Dental:
a waiting period for dental treatment depends on each individual insurance company. Some providers have up to 10 months, while others do not have any at all.
There are a number of coverage options that are subject to a waiting period. Many policies will have different waiting periods.