Waiting periods are exactly what their name suggests; a specified period policyholders must wait before being eligible to claim a benefit. They apply when joining any health fund for the very first time or when you upgrade to a higher level of cover.

Waiting periods are necessary in keeping health cover fair by providing protection to existing policyholders for when they may need cover. If waiting periods didn’t exist people may intentionally join to make pre planned claims and then discontinue their membership.

Waiting periods don’t apply when you’re transferring to Queensland Country Health from an equivalent or higher level of cover with another health fund, or if you’ve been previously covered by your parents’ membership and you’re commencing you own. However, if you want to change your existing level of Extras cover for one that is more extensive you will be required to serve waits on the increased benefits only.

If you are thinking of starting a family it’s important to review your policy to ensure you have your desired cover for your changing circumstances. If you have a single policy you will need to upgrade to a family policy no less than two months prior to the actual delivery date to make certain your baby will have cover.