Get 6 weeks free + Waive 2 & 6 months waiting period on extras
Join eligible combined hospital & extras cover by 30 June 2020 for new members.
Coupon code ends
You can get your extras waiting periods waived by taking advantage of a promotion or by signing up to a top extras policy. You can also get your hospital waiting periods waived if you're switching and already waited with another insurer.
Check out the latest sign up deals from Finder Partners with no waiting period health insurance offers.
The majority of health insurance policies come with a waiting period before you make a benefit claim. However, in April 2020 there are several health funds offering sign up deals with no waiting period as a way to attract new customers. Switching health fund can be a great way to save money generally and they also come with a host of other benefits.
If you need a dental check-up or even a physiotherapy session, you can skip the waiting period entirely with Lifestyle Extras from ahm. Costs start from just $51 per month & you get rebates for dental, optical, physio, psychology and more straight away.
Looking to do more research? You can use this free tool to see health insurance quotes side by side. Keep an eye out for the yellow banner highlighting any insurers waiving waiting periods as a sign-up deal!
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.
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.
There are a few ways you can avoid some of these waiting periods depending on your circumstances. Which of these best describes you?
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).
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.
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
finder.com.au is one of Australia's leading comparison websites. We compare from a wide set of banks, insurers and product issuers. We value our editorial independence and follow editorial guidelines.
finder.com.au has access to track details from the product issuers listed on our sites. Although we provide information on the products offered by a wide range of issuers, we don't cover every available product or service.
Please note that the information published on our site should not be construed as personal advice and does not consider your personal needs and circumstances. While our site will provide you with factual information and general advice to help you make better decisions, it isn't a substitute for professional advice. You should consider whether the products or services featured on our site are appropriate for your needs. If you're unsure about anything, seek professional advice before you apply for any product or commit to any plan.
Products marked as 'Promoted' or 'Advertisement' are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options.
Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product. You can learn more about how we make money here.
When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.
We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labelling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
Providing or obtaining an estimated insurance quote through us does not guarantee you can get the insurance. Acceptance by insurance companies is based on things like occupation, health and lifestyle. By providing you with the ability to apply for a credit card or loan, we are not guaranteeing that your application will be approved. Your application for credit products is subject to the Provider's terms and conditions as well as their application and lending criteria.