The new rules apply to an existing vhi member who increases their level of cover and would apply to those who switch to vhi from aviva or quinn and have higher benefits on their new Vhi level of cover.
From Jan 1st these are different types of waiting periods to new members
1. Pre existing condition waiting period (as usual)
2. Initial waiting period (as usual)
3. Gov levy waiting period (as usual)
4. Maternity waiting period (as usual)
5. Primary Care waiting period, if applicable (as usual)
For those switching to higher benefits the following waiting periods apply:
1. Upgrade rule (as usual)
2. Initial waiting period (new)