Waiting Periods
Once you are a member of GMF Health, there are waiting periods that apply before you can receive benefits. These waiting periods also apply when transferring to a higher product.
| Hospital Waiting Periods | Waiting Period |
|
Pre-existing Ailments or Conditions |
12 month waiting period |
|
Maternity* |
12 month waiting period |
|
Assisted Reproductive Services |
|
*If you are on a single policy, an application for family cover must be made within 30 days of your baby's date of birth for your baby to be covered on your policy.
| Necessities Waiting Periods | Waiting Period |
|
Ambulance |
1 day waiting period |
|
Accomodation |
2 month waiting period |
|
Optical - spectacles |
3 month waiting period |
|
Dental - general |
6 month waiting period |
|
Ante-Natal classes |
12 month waiting period |
|
Health Management Aids |
12-36 month waiting period |
|
Hearing Aids |
24 month waiting period |
Why do we have waiting periods?
Once you are a member of GMF Health, there are waiting periods that apply before you can receive benefits. These waiting periods also apply when transferring to a higher product.
We have waiting periods to protect existing members from situations where people simply join for an expensive operation and then cancel their cover once they have been treated.
If we allowed this, the cost of claims would dramatically increase and these costs would have to be passed on to all members through premium rate increases.
Waiting periods therefore simply provide a way for GMF Health to protect long-term existing members.
Full details of waiting periods are available in our Membership Guide.
