Nobody loves waiting. But all health funds have waiting periods to protect their whole membership from ‘hit and run’ claims from new members, or people who might join a health fund to claim after the event. Sort of like trying to get car insurance after you’ve already had an accident. (We know you wouldn’t do that, but there are some people out there who do!)
 
Some things you can claim straight away, and usually more expensive treatments have a longer waiting period. Just to be on the safe side for all our members.
 
Following is an outline of all of the waiting periods.

  

 

 

 

 
 

If you transfer to us from another fund where you had similar or higher cover and you’ve  finished your waiting periods, you won’t have those waiting periods again. This means you can claim straight away for the things you were already covered for.
 
On the other hand, if your old cover had lower limits or benefits than your new one, you’ll have waiting periods before you can claim more than you were covered for before.