Waiting periods
| Waiting Periods | |
| Accidents requiring hospitalisation |
No waiting period |
| Ambulance |
No waiting period |
| Optical | 4 Months |
| Dental | 9 Months |
| Obstetrics | 12 Months |
| Hearing Aids and Health Appliances | 12 Months |
| Treatment relating to a pre-existing condition |
12 Months |
| All other services | 2 Months |
On joining health insurance for the first time, waiting periods must be served before benefits will be paid on all hospital and general treatment covers with ACA Health. The exception to this is where you have an accident, not related to pre-existing condition, and you require hospital and/or ambulance treatment.
If you transfer from another fund within 60 days of terminating your old cover, then normal waiting periods are waived and our benefits up to the level of your previous cover may be paid immediately, subject to financial continuity.
If changing to a higher level of cover, normal waiting periods will apply before the higher benefits will be paid.
If adding a spouse to a membership (changing from single to family membership), normal waiting periods will apply for the spouse, unless they are transferring from another fund and the rule as above will apply.
If adding a child dependent to a membership the child would be subject to the normal waiting periods, unless they are transferring from another fund and the rule as above will apply.
If adding a newborn to a family membership, the baby would be covered immediately.
Please Note: - If you are planning to have a baby and are currently on a singles cover, you would need to upgrade your cover to a family membership at least 2 months prior to the actual birth of the baby to ensure that your newborn would have immediate cover as part of your membership.