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No waiting period health insurance

There are a few ways to get your waiting periods waived.

You can get your extras waiting periods waived by taking advantage of a promotion, signing up to a top extras policy or by straight up asking. You can also get your hospital waiting periods waived if you've already waited with another insurer.

Who offers no waiting periods?

If you need a dental check-up or physio session asap, you can skip the waiting period with policies like Lifestyle Extras from ahm. Costs start from just $51 per month & you get rebates for dental, optical, physio, psychology and more straight away.

No waiting period sign up deals for April 2019

Check out the latest sign up deals with no waiting period health insurance offers.

Medibank Health Insurance Deals Medibank Health Insurance Deals

Get up to one month free + 2 and 6 month waits waived

Offer applies when joining Medibank Gold or Silver hospital & extras cover.

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nib Health Insurance Deal nib Health Insurance Deal

Skip the waits on 2 & 6 month extras, plus up to $400 off

Up to $400 off for couples and families. Or, $200 off for singles when joining hospital & extras.

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Does any fund offer health insurance with no waiting periods?

There is no private health insurance policy offered by any Australian fund that does not have waiting periods as a standard feature. Regardless of whether you choose hospital or extras cover, waiting periods usually apply to the benefits provided by your policy.

However, health funds do offer special promotions where they will waive the waiting periods on extras services to attract new members. In these cases, you are able to claim for relevant services as soon as your membership begins. These deals are especially common around the March switching period and during the lead up to the end of financial year.

What are waiting periods?

When you get health insurance for the first time you will have to wait a certain amount of time before you can claim on certain benefits. Otherwise, you’d just wait until you needed treatment before signing up for a policy, and then promptly ditch the plan after the treatment finished. And that’s not sustainable for the insurance industry.

These are your waiting periods, and they also apply anytime you upgrade and take on a new benefit that you’ve never had before.

Can I get my waiting periods waived?

There are a few ways you can avoid some of these waiting periods depending on your circumstances. Which of these best describes you?

  • You've served your extras waiting periods with another insurer. If you found a better deal and want to switch, your new insurer is not required to honour the fact that you've already served these, but it does give you some leverage. Many insurers will want your business bad enough that they'll waive some of the extras waiting periods you've already served. Make sure you ask.
  • You've served your hospital waiting periods with another insurer. In this situation, your next insurer has to honor these by law but you will have to wait for any new benefits that weren't on the old policy (for example, if you've upgraded to a policy that covers pregnancy, you'll have to wait for pregnancy-related claims). There's not much wiggle room to negotiate anything shorter than what you're entitled to by law.
  • You haven't served any waiting periods before. Hospital waiting periods are generally non-negotiable, but there are still ways to get your extras waiting periods waived with a brand new insurer. They'll sometimes waive them as part of a promotion (big times for these are the March switching period and toward the end of financial year). Or you can just ask them to drop the waiting periods if you think they want your business badly enough.

Can extras waiting periods be waived?

Many people ask this question with dental cover on their minds. Insurers will waive some of your extras waiting periods, including those for dental, because it is one of the few incentives they have to attract new customers.

It's not necessary but helps if you've already served these waiting periods with your previous insurer. Although the new guys aren't required to honour these, at least it tells them they need to try a little harder to pry you away. You can also look out for promotions where insurers will advertise waived extras waiting periods.

If you're successful, get clear about what they've agreed to waive and what they haven't. They may waive your waiting period for general dental work (like checkups) but not for major dental work (like crowns).

Can waiting periods for pre-existing conditions be waived?

Pre-existing conditions fall under hospital cover rather than extras cover, so you will have them waived if you can prove that you've already put in the wait with your current insurer. If you can't prove that, then you'll probably have to wait. The typical waiting period for pre-existing conditions is 12 months, which is the upper limit allowed by law.

You may be able to have them waive your periods for extras, which commonly include alternative therapies. If your pre-existing condition responds well to massage, physio, chiro or other alternative treatments, this could be one way to get some immediate supplemental treatment.

Can waiting periods for pregnancy and birth-related services be waived?

Pregnancy services are also considered part of hospital cover, so if you haven't already put in the wait, any new insurer will make you wait 12 months before you can make a claim. If you are planning to have a baby, you'll need to lock in your cover well before you start trying to conceive.

If you have served all your waiting periods on a policy that does not include pregnancy cover and you move to a new insurer on a policy that does include pregnancy cover, that insurer will waive the waiting periods you've already served, but not the waiting period for pregnancy. You are entitled to a waiver for only the benefits you've waited out, not for new and upgraded benefits



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6 Responses

  1. Default Gravatar
    August 20, 2018

    I have been with a fund for many years and I recently upgrade to premium hospital cover. Due to the upgrade I now have to wait 12 months for some pre-existing conditions. If I were to transfer to another fund to cover of the same level would the wait time continue?

    • finder Customer Care
      JoshuaAugust 27, 2018Staff

      Hi Kym,

      Thanks for getting in touch with finder. I hope all is well with you. :)

      Generally, if you switch to another, according to Private Health Ombudsman, “you will not have to re-serve waiting periods if you transfer to a policy that is at the same or a lower level of benefit. Your new fund must give you continuity for the waiting periods you have already served. However, if your new plan includes new or higher benefits that were not part of your old policy, you will have to complete a waiting period before you can access those benefits.”

      To give you a short answer, you should not wait another 12 months if you are to transfer to another fund and that fund will cover the same level.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!

      Cheers,
      Joshua

  2. Default Gravatar
    KinJuly 4, 2017

    Hi how long waiting period for pregnancy insurance.

    • finder Customer Care
      MayJuly 4, 2017Staff

      Hi Kin,

      Thanks for reaching out.

      Generally, waiting periods vary and are different for hospital cover and general treatment (extras) cover. As for obstetrics (pregnancy), the government sets 12 months as the maximum waiting period that funds can impose for hospital treatment. You may like to read more about how waiting periods work on health insurance here.

      Cheers,
      May

  3. Default Gravatar
    KarenMay 15, 2017

    Is there any promotions about waiting periods being waived with any health fund with extras only if we are in WA

    • finder Customer Care
      ZubairMay 16, 2017Staff

      Hi Karen,

      Thank you for your question.

      Currently, in our panel of health funds, AHM has an offer of waiving waiting periods on extras services only. To check the details, please head to our health insurance deals page.

      Cheers,
      Zubair

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