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Conditions of your policy
Continuity of cover
If you transfer to Westfund from another registered health fund we will guarantee
continuity of cover. This applies to the benefits you were entitled to under your
previous cover, as long as they are included in your new Westfund cover.
Waiting Periods
A 5 year waiting period applies for Ears + benefits, where covered by
Gold, Sterling Silver and Max Value covers
A 12 month waiting period applies to all new members for:
bonus benefits
pre-existing conditions, except for psychiatric, rehabilitation and palliative care
where a two month waiting period applies
obstetric conditions (Single membership must upgrade to Family two months
prior to expected day of birth) – Gold, Sterling Silver, and Silver members
Major Dental (Crown/Specialist Dentistry/Dentures/Orthodontics) and more –
Gold, Sterling Silver and Max Value members
extraction of wisdom teeth by an oral surgeon – Silver and Value First members
medically recommended aids
Shades.
Other waiting periods are:
one day for accident, Hospital Top Up and ambulance
two months for all other hospitalisations excluding obstetrics and pre-existing
conditions
two months for all other General Treatment Benefits
24 months for Overnight+ and Surgery+
36 months for Premium Pause.
What is a pre-existing condition?
This is an illness or condition for which signs or symptoms existed during the 6 months
before you joined Westfund or upgraded to a higher level of cover.