You won’t need to re-serve waiting periods that you’ve already served with your old fund if you switch to Police Health. 

If you’re transferring from another health insurer, we offer continuity of cover which means you won’t serve the same Waiting Periods twice. However, if you’re transferring to us from a lower level of cover, you’ll only be able to claim up to the level you were already covered for until you have served the Waiting Period.


Sue decides to switch her Gold hospital cover to Police Health. Sue has a $500 Excess that currently applies to claims under her previous policy. As she has served all Gold Hospital Waiting Periods with her current fund she only has to serve Waiting Periods for the level of extra cover provided by her new Police Health policy – in Sue’s case the $500 excess. She receives immediate cover on all other aspects of her Police Health hospital policy.