For all new memberships and upgrades of cover (where your new cover has higher benefits or more services), including transfers from another fund, the following waiting periods will apply:

• two months for all extras services, unless specified otherwise

• six months for Active Health Bonus and optical services

• twelve months for major dental, orthodontia, orthotics, hearing aids, mechanical/health appliances and prostheses that are not surgically implanted

• two years for refractive laser eye surgery

If you have transferred from another health fund on a comparable level of cover and have served waiting periods you will be able to claim straight away. See your product guide for details on services available on your level of cover.