Waiting periods

For most of our day-to-day benefits the waiting period is only 30 days, the only exception is for optometry, which has a waiting period of 12 months.

There is no waiting period for the following hospital cover benefits:

• Accident hospitalisation, 
• Emergency room or casualty visits, 
• Permanent disability benefit, 
• Death benefit. 

Illness and dread disease hospitalisation has a waiting period of 90 days and the maternity hospitalisation benefit has a waiting period of 12 months.

Please review the day-to-day benefit and hospital cover details carefully to see the relevant waiting period per benefit.