It is the time frame after purchasing the policy during which no claim can be made to Cigna TTK Health Insurance under the policy. Example:Raj opts for a health insurance policy for his family and completes all the formalities on June 1. The accumulation period for the policy purchased is 30 days. Now imagine that Rajs wife falls ill on the 3rd of June. Raj would have to pay for this unexpected expense although he already purchased the health insurance product, as his policy is still within the accumulation period. Only after June 31st, will Raj be able to use the coverage from his insurance.