Waiting periods vary considerably by insurance type and specific policy - motor insurance typically has no general waiting period for standard accident claims, while health insurance commonly applies waiting periods for specific categories like maternity or certain pre-existing conditions, and some life insurance policies apply a waiting period before a claim related to certain causes of death is payable in full. Reading your specific policy's waiting period clauses for each relevant category, rather than assuming a single universal rule applies across all UAE insurance products, is the only reliable way to know what applies to you.
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