Does the insurance have a waiting period?

Unless otherwise agreed, the following waiting periods are established for each of the guarantees:

1. For the guarantees covering burial, transfers and travel assistance, complementary family services, educational assistance and repatriation, a period of 20 days is established from the date the insured party is included on the policy.
2. For the guarantee regarding daily hospitalisation allowance, the following waiting periods are established, unless otherwise agreed:
   • Three months from the effective date of this guarantee for the affected insured party, as established in the Specific Terms and Conditions, except for medical prescriptions.
   • In the case of pregnancy and childbirth, regardless of the terms set out in the previous paragraph, the waiting period will be eight months from the date on which this guarantee is registered for the affected insured party, as indicated in the Specific Terms and Conditions.
3. Waiting periods shall automatically be waived in the event that the claim is the result of an accident.
4. Waiting periods will be automatically set at one year if the claim is the result of a suicide.