Most health insurance funds will apply the following waiting periods to new members taking out a hospital cover product:
Pre-existing conditions will be covered on: February 12, 2019
Obstetrics and Pregnancy will be covered on: February 12, 2019
Psychiatric care, rehab, and palliative care (even if they are a pre-existing condition) will be covered on: April 12, 2018
Other Hospital Benefits will be covered on: April 12, 2018
(These are the maximum waiting periods allowed by law for hospital cover.) These waiting periods also apply to any additional benefits on your new product if you transfer to a higher level of hospital cover, with your existing fund or with a different fund.
Some funds also apply Benefit Limitation Periods for some types of treatment on some of their hospital covers.