Specific Waiting Periods. For all Insured Persons who are above 45 years of Age as on the date of inception of the First Policy with Us, the medical conditions and/or surgical treatment listed below will be subject to a Waiting Period of 24 months unless the condition is directly caused by cancer (as defined in Section 12.76.a) or an Accident and will be covered in the third Policy Year as long as the Insured Person has been insured continuously under the Policy without any break:
Specific Waiting Periods. The medical conditions and/or surgical treatment listed below will be subject to a Waiting Period of 24 months unless the condition is directly caused by Cancer or an Accident and will be covered in the third Policy Year as long as the Insured Person has been insured continuously under the Policy without any break:
