Turnberry Gap Cover policies have 2 different waiting periods.
The first is a general waiting period of 3 months
The second is condition specific waiting periods
The 3-month general waiting periods is 3 months from the commencement date of the policy, during which an insured person is not entitled to claim for any policy benefits. Turnberry does understand that accidents do happen and therefore the 3-month general waiting period will be waived in the event of an accident. An accident is defined as a bodily injury caused by violent external means.
A condition specific waiting period is a time period of up to 12 months when you cannot claim for a specific condition. For example – treatment or surgery for Hysterectomy, hysteroscopies, endometriosis, ovarian cysts, and fibroids, muscular-skeletal (except in the event of an accident, which occurred while on the Policy), tonsillectomy, myringotomy, grommets, adenoids, wisdom teeth, hernia, cataracts, gastroscopies, colonoscopies, nasal and sinus, cancer.
10 month waiting period on pregnancy / childbirth. For example, a 10-month waiting period on pregnancy/ childbirth