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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 Health Management Extras Service – 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.

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