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What are waiting periods?

A waiting period is the length of time you need to have health insurance before availing of cover.

Will waiting periods apply to me if:

I am transferring directly to Laya Healthcare from another Irish health insurer with no break in cover?

If you have served all your waiting periods then there is no break in cover when you transfer to us. If you have not served all your waiting periods with your previous Irish health insurer you can serve the remainder of them with Laya Healthcare. We will fully recognise the length of time you’ve spent with your previous insurer.

I am taking out health insurance for the first time or it has been over 13 weeks since I last had private health insurance with an Irish health insurer?

The following waiting periods will apply if you are aged: Under 55* years 55-59* years 60-64* years Over 65* years
How long before you can make a claim for an accident or injury?
Immediately for all age groups
How long before you can make a claim for any new disease, illness or injury which began or the symptoms of which began after membership started?
26 weeks
52 weeks
52 weeks
104 weeks
How long before you can claim for any disease, illness or injury which began or symptoms of which began before membership started?

5 years

7 years

10 years

10 years

How long before you can claim benefit for maternity cover?
1 year
Not applicable

 In addition, if you're upgrading your level of cover/benefits the following waiting periods will apply regardless of how long you have been insured:

You have health insurance and want to get a higher level of cover/benefits, how long before you can avail of the better cover/benefits for any disease, illness or injury which began or the symptoms of which began before you upgraded? 2 years (for all age groups)
You are already pregnant and you wish to improve your cover/benefits, how long before you can avail of the better cover/benefits?
1 year
Not applicable

 *These ages refer to your age on the date that your Laya Healthcare cover commences.