If you really need to use a specific service (for example, you have had a heart attack and urgently need hospitalisation) be aware that some insurances foresee this situation and do not apply waiting periods in the case of a serious and vital emergency, or in the case of a simpler pathology, you can use the treatments provided by the insurance network itself. Again, ask your insurance broker what would be the most viable solution in your case. For example, the waiting periods for Allianz Health products are as follows: Hospitalisation and Surgery = 365-day grace period. This includes the following treatments and surgical interventions: Childbirth, caesarean section or involuntary termination of pregnancy (if contracted for Childbirth cover) Treatment of arterial or venous pathology of the lower limbs; medical, surgical or other treatment in the diagnosis of herniated discs , abdominal wall or others Medical, surgical or lithotripsy treatment of kidney, urinary tract, gall bladder and/or biliary tract stones Treatment of proctological pathology such as haemorrhoids, fistulas, anal and perianal sphincter pathology fissures Medical or surgical treatment of gastro-oesophago-duodenal pathology; Non-conservative treatment of gynaecological and benign endocrine pathology* (namely pituitary, thyroid, parathyroid, breast, pancreas, adrenal and ovaries); surgical intervention to ears, nose and throat for benign pathology; Treatment of joint pathology by arthroscopy, arthrotomy or arthoplasty; Surgical treatment or by another invasive method of benign prostate pathology. Cataract Surgery. Other cases of Hospitalization and Surgery 90 days Oncology 180 days Daily Allowance for Hospitalisation 90 or 365 days Outpatient Care 90 days Prostheses and Orthotics 180 days International Medical Cover 180 days Drugs and Stomatology 90 days.  Important Note – This list of waiting periods is merely an example. You should check the conditions of your contract to see which waiting periods apply to your health policy. Ask us for a personalised simulation for your health insurance!