These waiting periods help protect our existing members from additional costs.  

If there were no waiting periods for pre-existing conditions, people could take out our hospital cover only when they knew or suspected that they might need hospital treatment and immediately make a hospital claim.   

If these new members then cancelled their membership, their hospital costs would have to be paid for by the remaining Police Health members. This would not be fair to long-term members, and is common to all private health insurers. 

Read more information on our ‘Pre-existing conditions’ page.