Any new illnesses starting within the first 14 days of your policy are not covered. This is called a waiting period. However, if you switch your cover from another insurer we won’t enforce a waiting period and you will be able to claim for illness starting in the first 14 days. If you make a claim within the first 14 days we will ask you to provide evidence of your previous continuous policy. We don’t have a waiting period for accidents or injuries.

Please note that we do not offer pre-existing conditions cover for new customers. You can still switch to us, but any pre-existing conditions will be excluded from cover.