If you have held private health insurance within the past 13 weeks and the level of cover was higher or is the same as that of your new policy with us, then you are covered immediately with no waiting periods. If you have a lower level of cover and are gaining benefits when you make the switch, you may have an upgrade rule.
For any benefits you are gaining, for the first two years we would match your previous level of cover. The upgrade rule would only affect existing conditions and would apply if you increased your cover.
The only condition is that you’ve completed your waiting period with your previous provider, if waiting periods applied to you. If you still have some time left to go, no problem. We won’t start you all over again. We’ll take into account the waiting periods you already served.
You can find out more about waiting periods here, or if you have any questions at all, chat to our dedicated switching team on 021 202 2000 or via webchat.