What are waiting periods in private health insurance?
Waiting periods are the time between when your insurance starts and when you can use your coverage. They help keep insurance fair for everyone by preventing people from signing up just to claim large or immediate costs.
How can you skip waiting periods and get coverage from day one?
Waiting periods do not apply if you have had comprehensive health insurance within the last 12 months or if you complete a medical examination before coverage begins. Under these conditions, coverage starts immediately when the policy is confirmed.
What are typical waiting periods with other private health insurers?
With many other insurers, waiting periods are standard. For example:
3 months for most claims
8 months for childbirth, psychotherapy, dental treatment, dentures, and orthodontics
If you are considering other providers, be sure to check their waiting period rules. With Feather, you are covered as soon as your policy begins.