Say one switches from one health insurer to another and, at the same time, from a "lower" level of cover to a "higher" level of cover during a pregnancy when maternity care has already started - what's the story... Presumably the maternity waiting period is waived if continuous cover of more than 52 weeks (or whatever it is) has been "served"? Will the first insurer pay out benefits for care up to the point of the switch and the second insurer will pay out benefits thereafter? Will the enhanced benefits of the "higher" plan be available immediately on switching and, if now, how do they decide what benefits will be available since it's nearly impossible to compare like with like across different health insurers? Are you faced with the excess under the first insurer's policy at the start of treatment and the excess under the second insurer's policy or do insurers facilitate only facing the excess once for a course of care/treatment when switching during this time? (Hopefully you can get the gist of what I'm asking above!) I've tried to read the health insurance policy booklets (VHI don't seem to have theirs on their website any more unless I missed them) and am not clear on the answers to these questions. Thanks.