A:

If it is the first time you have had private health insurance you will first need to serve waiting periods before you can make a claim. This is to prevent people from simply joining to make a claim and then dropping their cover, and therefore preventing higher costs for everyone.

If you transfer from another fund within 60 days of terminating your old cover, then normal waiting periods are waived and our benefits up to the level of your previous cover may be paid immediately, subject to financial continuity.