What waiting periods do I have?
If you’re a new member, switching to a higher level of cover from Westfund or another insurer or re-joining after an extended period of time, waiting periods will apply.
When transferring from another fund or to a higher level of cover with Westfund, provided there’s been no break in coverage, waiting periods apply to:
- Any benefits under your new Westfund policy that weren’t included in your previous cover
- Any benefits where waiting periods were not fully served under your previous cover
- Any benefits provided under your previous cover where the benefit provided under your new Westfund policy is higher.
Read more about what moving to Westfund means in terms of waiting periods and benefits.
When transferring from another fund on the same or lower level of cover, provided there’s been no break in coverage when leaving your previous fund, you won't have to re-serve waiting periods for the same treatments and will be able to enjoy continuous cover.
Waiting periods also apply to our Health and Wellbeing Programs.
As always, we recommend checking your Policy Summary for detailed information about your cover, including waiting periods. You can view your Policy Summary on Members Online or on our app.
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