Health · Chapter 16 · Policy Structure
Probationary Period (Policy Provision)
Definition
A one-time period — typically 15 to 30 days, set by the contract, not by law — starting at the policy's effective date during which sickness claims are excluded — accidents ARE covered. Purpose: block adverse selection from people already incubating an illness.
In plain English
Accidents are datable; diseases can hide. The probation filters out the hidden ones.
Easy to confuse with
These are what this term gets tested against — if you can't tell them apart cold, drill the contrast.
Related terms