Waiting periods apply to those who are new to private health insurance or upgrade to a higher level of cover. Parts of waiting periods served within one health fund can be completed in another when a person transfers funds. Such waiting periods aim to protect the fund and its members from unfair exploitation by individuals joining when they need expensive medical care. Months referred to in the table below are calendar months.
Hospital Waiting Periods
| Pre-existing ailments |
12 months |
| Pregnancy/Obstetrics |
12 months |
| All other treatments |
2 months |
| Accidents, injuries and emergencies* |
1 day |
Extras Waiting Periods
| Crowns, bridges and orthodontia |
12 months |
| Artificial aids, healthcare appliances, oxygen and oxygen apparatus |
12 months |
| Optical |
6 months |
| Periodontics, endodontics, facings and dentures |
6 months |
| All other services |
2 months |
* As a result of unintentional, unexpected actions or events that require treatment by a registered medical or dental practitioner excludes pregnancy, injuries or illnesses induced by alcohol or drug dependence and aggravation of a pre-existing ailment.