Important information about OVHC cover

We always recommend having a read of the Important Information document to understand the inclusions, exclusions, waiting periods and limits that may apply to your cover.

Transferring from another fund

If you’re currently with another health insurer and wanting to join, all you need to do is sign up, provide us with your previous health insurers’ details and we’ll take care of the rest. We will also honour any waiting periods you have served with your previous insurer.

Upgrading your cover

If you are upgrading your policy to a higher level of cover than you currently hold, waiting periods will apply. These waiting periods apply to services you did not previously have covered for both Hospital and Extras, and on increased Extras limits.

The applicable waiting periods are defined as mentioned below

Waiting periods

Once you’ve joined, you’ll have some waiting periods before you can claim: 

  • 1 day for accidents and ambulance, GP and Specialist consultations (if your product providers cover for these types of services).
  • 2 Months for any other benefit for hospital treatment.
  • 2 months for general extras (if your product provides cover for these types of services).
  • 2 months for psychiatric, rehabilitation and palliative care.
  • 12 months for pre-existing conditions.

If you’re transferring from another health insurer, we will honour any waits you have already served with them.