Most claims at present are for illness that began before the insurance did, because the rules allow people who pay the premium before the end of February to backdate coverage to February lst. There have even been cases of insurance taken out for children after they have died.
另外，目前申請理賠的案件多為投保前已經罹患的病。由於規定二月底前繳費者可追溯到二月一日，甚至有家長孩子死了以後還投保。