Kaelo Xelus Gap Cover – Waiting Periods

Kaelo Xelus, like all gap covers, applies waiting periods under certain conditions. They are listed below. You can also view the full policy document, or read about the exclusions on this policy.

Kaelo Xelus shall apply Waiting Periods to the cover of an Insured as outlined below:

  • During the first 3 (three) months of membership, a general waiting period, as defined herein, shall apply.
  • During the first 12 (twelve) months of membership, a condition-specific waiting period, as defined herein, shall apply.
  • Waiting periods shall be applied to the cover of the relevant insured person, from the time that such insured’s cover commences under this policy.
  • In the event that an Insured under this policy previously had a Medical Expense Shortfall Policy, as defined, the period of the condition-specific waiting period above shall be reduced by the expired portion of the condition-specific waiting period served under such previous policy.
  • In the event that there is no unexpired portion of the condition-specific waiting period of such previous policy, the condition-specific waiting period of this policy will be waived. Such waiver only applies if the break in cover between the two policies is 90 (ninety) days or less.
  • Xelus reserves the right to waive the Waiting Periods for the Eligible Members of Participating Employers based upon pre-determined criteria. Any such waiver applied will be indicated on the policyschedule of the Insured Member.

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