The ‘waiting period’ is the period after the insurance has commenced during which there is no entitlement to insurance benefits. With the MAWISTA Expatcare, there is a waiting period in two cases: If the insurance is taken out abroad in the first instance and it is not a follow-on insurance policy or you have not had an accident, there is a waiting period of 14 days before the insurance cover comes into effect. Regular treatment costs for pregnancy will be reimbursed only after a waiting period of 3 months following commencement of the insurance. Childbirth will be covered after a waiting period of 8 months. Example: You travel to Germany on 1 January and have taken out insurance cover for two years. You discover you are pregnant in August. In this case, the insurance company will reimburse childbirth costs only from 1 September (after eight months). Treatment costs will be reimbursed after a waiting period of three months.