Why do I have waiting periods when I’ve just upgraded my cover?
After upgrading your cover, waiting periods will only apply for any new services, or for increased benefits or annual limits. If you need to claim during the waiting period, you will receive the same benefits as your previous level of cover, provided you have served all waiting periods on the previous level of cover. Log into the My Medibank app and head to the Out of pocket estimator section to estimate future claim expenses.