You have the right to change your health insurance plan, or insurer, without penalty. To read more about your rights download Private Health Insurance Consumer Rights from the Health Insurance Authority.
Once you have served your initial waiting periods with your previous insurer you do not have to re-serve them with us, so you will be covered as you would have been before for all of the benefits that you had on your previous plans.
You will need to wait 2 years to access your enhanced benefits for a medical condition which you have at the time of upgrading (5 years if you're over 65). However, this won't apply to the benefits that you were covered for on your previous plan.
If you have had a break in your health insurance cover of less than 13 weeks then you should join straight away as you won’t be subject to any new initial waiting periods. If your break in cover has been more than 13 weeks then you do need to re-serve waiting periods. The waiting periods that you must re- serve will depend on your age on joining a health insurance plan with Aviva. Have a look at the table in the Waiting periods section below to find out which waiting periods apply to you.
It’s never too late to start! You may have to serve initial and pre-existing waiting periods, so why not start now. The waiting periods that you will have to serve will depend on your age on joining a health insurance plan with Aviva. Have a look at the table in the Waiting periods section below to find out which waiting periods apply to you.
Out patient waiting periods only apply to health screens, G.P, dentist and physiotherapist visits. In the case of maternity benefits, you will have to wait one year to access enhanced benefits. There is a waiting period of 42 weeks for post-natal home help and cord blood stem cell preservation.
If you would like more information on waiting periods call our team on 1890 71 66 66 or visit the FAQ section
