What is considered a Recurrent disability?

Recurrent disability refers to a situation where an insured individual experiences a second disability that arises within a specified time frame after recovering from a prior disability. This concept is critical in accident and health insurance policies, as it influences how benefits are paid and under what conditions a repeat claim can be assessed.

In the context of insurance, if an individual has a history of a disability and subsequently faces a new but similar condition, many policies will provide coverage under the original claim, assuming the second disability occurs within a defined period—often referred to as the "elimination period." This approach helps to streamline the claims process for conditions that are likely to reoccur and ensures that the insured receives uninterrupted support.

New disabilities, permanent disabilities, or those lasting longer than a particular duration do not define the term recurrent disability as clearly, since they do not necessarily relate to the time-sensitive nature of when one disability follows another directly after the first. Thus, understanding the timing and relationship between recurring disabilities is vital for both insurers and policyholders.