Yes you will. Waiting periods are in place so health funds can protect themselves against someone joining a health fund, claiming, and then cancelling their policy. If everyone did that, health funds would go out of business. The good news is though, health fund waiting periods for hospital cover are capped. The maximum waiting periods that can be imposed on hospital procedures are as follows:
- 12 months for pre-existing conditions
- 12 months for pregnancy and birth related services
- 2 months for rehabilitation or palliative care (even for a pre-existing conditions)
- 2 months in all other circumstances
The waiting periods for extras are set by individual health funds, and range from 2 months to three years.