For each Team Member and their family covered under the group health insurance:
There is an initial waiting period of 15 days for Covid-19 from the date of enrollment of each member.  There is an initial waiting period of 30 days for any other hospitalization than Covid-19 (not applicable in the case of accidental hospitalization) from the date of enrollment of each member.  Pre-existing diseases are not covered for 4 years from the date of enrollment.