No, we don’t pay if the commencement of coverage is after the Insured Person’s event. In general, medical insurance is meant to provide protection for illnesses and injuries that occur in the future, not illnesses and injuries that have already occurred. There is a 30 days waiting period after the date of inception of the policy before you can enjoy the insurance coverage.
Insurance works by collecting a modest contribution from everyone, so that when a person has to be hospitalized, this money is used to cover the high cost of hospitalization. As nobody knows in advance who will need to be hospitalized, all refugees and asylum-seekers should purchase insurance.