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GMF Health is now part of HBF Health Insurance. Browse cover options. Existing members, recent changes explained.

Waiting Periods

There are waiting periods that apply before you can start making claims. Without waiting periods, people could take out health cover for an expensive operation or procedure and then cancel their policy afterwards. This would make the cost of claims rise – and these extra costs would need to be covered by all other members through higher premiums.

Waiting periods help to protect you and other private health insurance members by making health insurance more affordable.