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

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

 

Vhi Healthcare

Upgrade waiting periods

Age

Outpatient Medical Expenses

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

 

Laya Healthcare

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