During the waiting period in a medical expense policy, which of the following is most likely to be payable?

• A. Sickness benefits may be available
• B. Both sickness and accident
• C. Accident benefits may be available
• D. No benefits

Answer: (C)

Waiting periods in medical expense policies are built so that protection for accidents is available right away, while coverage for sickness is delayed. The idea is to provide immediate help for unexpected injuries, even though illness-related claims are held back for a short time. So, during the waiting period, benefits for an accidental injury are likely to be payable, whereas sickness benefits would typically begin only after the waiting period ends. This aligns with the common design of such policies, where accident coverage can flow during the waiting timeframe, but sickness coverage does not.