A waiting period is the designated time an insured individual must wait before certain, or all coverage benefits become effective.

Pre-existing conditions are medical conditions diagnosed or existing before the commencement of a new health insurance policy.

A pre-authorization code is an approval issued by the insurer to verify coverage eligibility and medical necessity for a procedure or treatment, ensuring cost and claim validity.

Secondary care refers to specialized medical services provided by healthcare professionals such as specialists and consultants, typically following a referral from a primary care provider.

Primary care is the initial level of medical attention, where general practitioners provide basic diagnosis, treatment, and preventive healthcare services.

Exclusions are specific medical services or treatments not covered under an insurance policy.