You can use your policy as soon as your application has been accepted. The policy will start at 11.59pm on the date of acceptance and from this time you can claim for specified accidental injuries (refer to your Policy Booklet) that occurred after 11.59pm on the commencement date.
There is a 30 day waiting period if you have a policy that covers illness conditions.
There is also a 6 month waiting period that applies for cruciate ligament injuries. By completing a Cruciate Ligament Exam Form you may apply to have this 6 month waiting period waived.
Any conditions that occur within the waiting period are considered as a pre-existing condition. If you would like more information about the Waiting Period, please refer to the following definitions of your PDS:
- Waiting Period definition
- ‘Pre-existing Condition’
- The Waiting Periods are specified for each level of Cover in 'Section 2 — Your Cover' of your Product Disclosure Statement (PDS).
You can find the PDS on the Useful Documents section.