A:

On joining health insurance for the first time, waiting periods must be served before benefits will be paid on all hospital and general treatment covers with ACA Health. The exception to this is where you have an accident, not related to pre-existing condition, and you require hospital and/or ambulance treatment.

If you transfer from another fund within 60 days of terminating your old cover, then normal waiting periods are waived and our benefits up to the level of your previous cover may be paid immediately, subject to financial continuity.

Waiting periods

The Mental Health waiting period exemption for higher benefit is available to each insured person on a hospital policy one in their lifetime and will apply from the beginning of a current admission if the election (fund was notified) was made within 5 days of admission, if not from the date of the election (fund notification received) where;

• The 2 month psychiatric/rehabilitation period has been served
• It is for psychiatric or drug and alcohol related treatment