There is a waiting period of 30 days under Hospitalization Cash Benefit and of 14 days if diagnosed under COVID-19 (Other than hospitalization due to accident) from the member risk commencement date for eligibility of HCB, Sum Insured will be reinstated in full at the beginning of next policy commencement date irrespective of the member claiming or not claiming the hospital cash benefit in the previous policy period. Waiting Period is not applicable from second policy period onwards in case of continuous renewal of the policy.