All day-to-day benefits, with the exception of where specific waiting periods have been stated, are subject to a three-month waiting period. Please note that all waiting periods are active from the commencement date of the policy, not the date that the member signs up or the date that the first payment is made.
Since you pay in advance for your cover, your first premium is allocated to the next month. This becomes your commencement month with your commencement date being the 1st day of that new month.
For example; If your first payment is in the month of June,
- Your commencement date will be the 1st July.
- Your day to day benefits are active as of the 1st October
waiting periods