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 included services - except those set out below
6 months

Optical Appliances 

Ultra bonus for out of pocket expenses

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

Dental Treatment and Major dental services including surgical extractions

Orthodontic treatment

CPAP type devices

Breathing appliances

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.