If you switch or buy a different plan after 1 January 2012, you will be subject to the following waiting periods to upgrades in inpatient cover, for any condition you did not have at the time of upgrade:
Under 55 - 26 weeks
55-64 - 52 weeks
65 or over - 104 weeks
Prior to 1 January 2012, Vhi provide full cover for upgrades in inpatient cover, if you did not have the medical condition at the time of the upgrade.