Gap in cover
When transferring to a new health insurance provider, your old fund will send through a transfer certificate. This is an important document. It’s a certificate shows the time you’ve spent at your previous fund, and the type of cover that you held. This allows any waiting periods you have served to be transferred across to your new fund— which means you won’t have to serve them again.
For your served waiting periods to be transferred across, health.com.au will allow up to 60 days between leaving your old insurer, and your start date with us. If you’ve joined health.com.au and your old fund policy is still active, we’ll send a transfer request to them with the date you became active in our systems, which means they’ll cancel you the day before the date of the request. This results in no gap in cover between the two insurers.
However, if it’s been more than 60 days between you cancelling your current insurance and subsequently deciding to take out a policy with health.com.au, after more than 60 days, your waiting periods served with your old fund won’t stand, and will need to be re-served.
We completely get that this can all be a bit confusing, so you’ve recently left an insurer and you’re concerned about waiting periods, please drop us a line, so we can make sure you don’t lose any services you’ve served waits for.