In order to bring you the best possible user experience, this site uses Javascript. If you are seeing this message, it is likely that the Javascript option in your browser is disabled. For optimal viewing of this site, please ensure that Javascript is enabled for your browser.

Bupa Health Insurance When Does My Cover Begin

How long after joining does my insurance cover begin?

A waiting period is the period of time between when you join us and when you are covered for a service or treatment. If you receive a service or treatment during this time, you are not eligible to receive a benefit or payment from us, regardless of when you submit the claim. Different waiting periods apply for different services.

Some things, like emergency ambulance transport or treatment received as a result of an accident occurring after joining will not attract a waiting period and you will be covered from day one.

Other treatments involve what's known as a waiting period. This starts when you join Bupa. There are different waiting periods for different medical conditions and treatments.

The following waiting periods apply for Hospital cover:

  • Palliative care, psychiatric and rehabilitation services – two months
  • Pre-existing conditions, ailments or illnesses and pregnancy related services (including child birth) – 12 months
  • All other treatments included in your cover – two months
  • Laser eye surgery, covered only under Ultimate Health Cover – 12 months.

The following waiting periods apply for Extras cover:

  • Initial waiting period – two months
  • Hire, repair and maintenance of health aids and appliances; and Living Well Programs – six months
  • Major dental, orthodontics, selected health aids and appliances – 12 months.

To find the best Bupa health insurance option for you: compare health insurance or get a health insurance quote online.

Man's hand rings bell health insurance quote Compare Covers Compare health cover options

Need assistance?

Call us on 134 135