Switching/Upgrade Waiting Periods

If you are switching plans, the following maximum waiting periods may be applied to any higher benefit on the new plan:

 

 

Any higher benefit

2 years

Maternity benefits

52 weeks

 

Current Market Practice

Vhi Healthcare

Upgrade waiting periods

Age

Outpatient Medical Expenses

Day to day Medical Expenses Inpatient New Conditions Inpatient Pre-existing conditions
Under 50 None None 26 weeks 2 years
50-54 None 52 weeks 26 weeks 2 years
55-64 None 52 weeks 52 weeks 2 years
65+ None 2 years 2 years 2 years

 

Irish Life Health

Upgrade waiting periods

Age

Outpatient Medical Expenses

Day to day Medical Expenses Inpatient pre-existing conditions
Under 55 None None 2 years
55+ None 26 weeks 2 years

 

GloHealth

Upgrade waiting periods

Age

New Conditions

Pre-Existing Conditions Maternity
Under 55 26 weeks 2 years 1 year
55-64 1 year 2 years 1 year
65 and over 2 years 2 years 1 year

 

Laya Healthcare

No waiting period for higher outpatient benefits. 2 year waiting period for higher inpatient benefits when used for a pre-existing condition.

 

* All insurers apply a 52 week waiting period for higher maternity benefits.