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