Health Insurance WAITING PERIOD.

[DirectDevil]

I see the new regulation but just want to get it straight in my head.

Since October 2006 I have been insured continuously with BUPA aka QUINN aka LAYA.

I am thinking of quitting LAYA.

I have an existing medical problem since well prior to 2006. It is a spinal problem that flares up intermittently.

Q1. If I switch to AVIVA or VHI is my waiting time already served for the pre-existing back problem ?

Q2. If I switch to AVIVA or VHI and take a product that has "better" cover than I have presently is my time still served for the pre-existing back problem in respect of the "better" element of cover or have I to serve a further period in respect of that "better" element of cover ?

Thanks.

 

[Mexicola]

1. Yes
2. You have an upgrade waiting period

 

[DirectDevil]

1. Yes
2. You have an upgrade waiting period

Thanks for that.

I assume that the upgrade waiting period is the now 2 years maximum. That is quite a change from some of the previous waiting periods. It certainly makes my life a bit easier in terms of being able to change insurer without too much worry.