Skip to main content Skip to main navigation

About waiting periods

How long is the waiting period?

That depends on the types of services or items included on your cover.


2 months* All services (including ambulance services) - except those set out below
6 months

Optical bonus 

Ultra bonus

12 months

Pre-existing conditions. However, the 12 month pre-existing condition waiting period does not apply to hospital or hospital substitute treatment for psychiatric treatment, rehabilitation treatment or palliative care

Obstetrics-related services

Major dental services

Orthodontic treatment

Dental surgical procedures and surgical extractions (eg. wisdom teeth)


Peak flow meters

Spacing devices

24 months Blood glucose monitors 
36 months

Hearing aids

Laser eye surgery

* If you have an accident after joining us or changing cover and require treatment, we'll waive the 2 month waiting period.