Skip to main content Skip to main navigation

Things worth knowing

About waiting periods
What is a waiting period?

All health funds have waiting periods. In short, a waiting period is a period of time you need to wait after taking out your cover before you can receive benefits for services or items covered.

You're not able to receive benefits for any items or services you might have obtained while you're serving a waiting period or before you joined Medibank.

How do I know if a waiting period applies to me?

Waiting periods will apply if you're a new member, you're rejoining Medibank after not having health cover for some time or you're changing to a higher level of cover (either within Medibank or transferring from another fund).

If you're changing to a higher level of cover, you'll still be entitled to benefits at the level of your former cover while you're serving any waiting periods on your new cover if:

  • those services were included under your old cover; and
  • you've already served the waiting periods that applied under your old cover.
How long is the waiting period?

It's important to note that not all services listed below are included on all covers. That depends on the types of services or items included on your cover. Have a look at the following table for a guide.

Waiting periods for Young Visitors Health Insurance.

<INSERT TABLE>

Waiting periods for Working Visa Hospital Insurance, Working Visa Hospital and Medical Insurance and Top 85 Working Visa Health Insurance

<INSERT TABLE>

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

Have questions?

Our team of experts are ready to help!

Enter your postcode to find your nearest store to have a face-to-face chat!

Fill in the form below or get in touch by calling our dedicated line 1300 110 086.
We are open on Sundays.

In providing your telephone number, you consent to Medibank contacting you about health insurance.

We'll have someone call you soon to help with any questions you have.

contact us