Demystifying waiting periods

Waiting periods are an unfortunate but necessary part of health insurance.

Without them, we’d all buy health insurance only when we need it, quickly make claims, and just as quickly leave. Which sounds ideal ― until you consider that your health cover’s premium would go through the roof.

A waiting period is the amount of time you have to wait after you join, until you can make a claim for a service or treatment, and they apply to both Hospital and Extras cover.

Different services and treatments have different waiting periods. To find out how long the waiting periods are for treatments and services included in your cover, consult the fact sheet in your welcome pack or download a copy.

How long are waiting periods if you’ve come for another health fund?

If you have transferred to Australian Unity from another health fund and chosen a level of cover that is similar or lower than your previous cover, you won’t have to re-serve any completed waiting periods. If you are unsure, you should contact us on 13 29 39.

Good news! Some extras don’t have waiting periods.

We encourage you to take good care of your teeth and offer a range of preventative dental treatments and services that you can claim on immediately

  • Scale and clean
  • Examination
  • X-rays
  • Fluoride treatment
  • Customised mouth guards
Got any questions?

If you’ve got any queries about pre-existing conditions or waiting periods, don’t hesitate to call our customer service team on 13 29 39 before receiving treatment .