CMFAS HI Critical Illness, Other Products & Managed Care question: policy carries a 90-day waiting period

CMFAS HICritical Illness, Other Products & Managed Care

A CI policy lapsed and was reinstated on 1 June. The policy carries a 90-day waiting period. On 1 July the insured is diagnosed with a covered critical illness. Is the claim payable?

A Yes, because the waiting period runs from the original issue date, which was years earlier
B Yes, because reinstatement cancels the waiting period for a policy that has already served one
C No, because the waiting period runs afresh from the reinstatement date and had not yet elapsed
D Yes, but only 50% of the sum assured is payable until 90 days from reinstatement have passed

Show the answer and explanation

Answer: C. No, because the waiting period runs afresh from the reinstatement date and had not yet elapsed

The waiting period for a CI plan starts from the date of issue OR the date of any reinstatement of the policy. As it was reinstated on 1 June, the 90-day period restarts; a 1 July diagnosis falls within it and is not payable.

Common mistake

Reinstatement resets the waiting period — the original (much earlier) issue date does not help once a policy has lapsed and been reinstated.

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Original study material mapped to the public CMFAS HI syllabus. Unofficial, not endorsed by MAS or SCI. Verify figures and rules against current guidance before relying on them.