Why should I keep hospital cover?
We all hope COVID-19 is relatively short lived and we can go back to normal conditions later in the year. With this in mind, it is important to understand that if you close your cover, waiting periods may apply if you choose to take it out again at a later time. If you decide to downgrade your cover and then upgrade again later, you will need to re-serve waiting periods for any services that were not included on your lower cover and for any increased benefits. For hospital cover, these waiting periods include a 12 month waiting period applies for any pre-existing conditions or for hospital admissions for pregnancy and birth.
Whilst elective surgeries have been temporarily cancelled due to COVID-19, your private hospital insurance will still cover you for any urgent admissions, where the service is included or restricted on your policy and you have served any required waiting period.
Category 1 and some category 2 elective surgeries are still being performed – and for some our customers they will need their cover for those surgeries.