So you pay premiums now, but in order to keep you from buying the insurance and immediately using it, they make you wait 5 years before you get the benefit.
Sounds like they are protecting themselves against pre-existing conditions.
Which is a smart thing, but supposedly is exactly what they were FIXING about insurance — that it wouldn’t cover you for things you already knew you needed.
There has to be a challenge to anything that makes you pay for something when you are not getting anything in return.