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What About Waiting Periods?

What is a ‘break in cover?’

When switching health insurers you must ensure that you maintain continuous health insurance cover to avoid having to reserve any applicable waiting periods, or incurring a loading due to Lifetime Community Rating.

A break in cover / lapse is any continuous period of 13 weeks or more when you did not have health insurance.

What is a ‘pre-existing condition’?

A pre-existing condition is an ailment, illness or condition, where, on the basis of medical advice, the signs or symptoms of that ailment, illness or condition existed at any time in the period of 6 months prior to you first taking out health insurance.

You may switch insurers regardless of your pre-existing conditions. If you have already served your waiting periods and have not had a break in cover, you will be covered immediately for any existing conditions, once you have not upgraded your cover.

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