An unusually prolonged or complex illness, esp. one that causes severe organ dysfunction or threatens life. Catastrophic illnesses often make exceptional demands on patients, caregivers, families, and health care resources.
However, if your current mortgage lender has discounted your current mortgage loan balance, the mandatory waiting period after loan modification is 12 months from the effective date of the loan modification with a 12 months on time payment history which is reflected on your credit report.
General health insurance waiting period is one month for every policy except for accidental cases. There is a 90 days waiting period for infants or new born babies. There are a few Insurance companies that offer maternity benefits, but with a waiting period ranging from 9 months to 36 months.