Dental Coverage Benefit Waiting Periods
It is important to understand that dental coverage benefits on almost all Hong Kong health insurance plans will be attached to a waiting period. In fact, it is extremely rare to find a dental insurance policy which does not include a waiting period.
A waiting period is the length of time you must have held a policy before you are able to claim for a specific coverage benefit. Dental treatment received prior to the completion of the waiting period cannot be claimed for under the plan, only treatment received after the expiry of the waiting period can be covered by the policy.
The reason that dental coverage is attached to a waiting period is due to the fact that almost all adults will have some form of pre-existing dental condition, whether that be a wisdom tooth issue or excessive plaque build-up. As such a waiting period is added to the policy.