OVHC - Waiting Periods Explained

If you purchase Budget Visitors Cover or Standard Visitors Cover you’ll need to wait:

• 2 months for pre-existing psychiatric-related medical conditions.
• 12 months for pregnancy related medical services.
• 12 months for all other pre-existing medical conditions.

Please also note that the start date of your policy must be a minimum of 2 days from the date of purchase.

For full details of the waiting periods, please refer to the   policy wording.

If you purchase Budget, Standard, Mid or Top Working Cover you’ll need to wait:

• 2 months for pre-existing psychiatric-related medical conditions.
• 12 months for pregnancy related medical services.
• 12 months for all other pre-existing medical conditions.

Waiting periods do not apply to emergency treatment by an approved ambulance service.  Waiting periods will however be applied to any subsequent hospital or medical costs.

If you purchase Mid or Top Working Cover, additional waiting periods also apply including:

• 2 months waiting period for general dental, physiotherapy, chiropractic, podiatry, psychology, speech therapy, health aids, Chinese medicine consultations and complementary therapies.

• 6 months waiting period for optical and health management programs.
• 12 months waiting period for major dental.
• 24 months waiting period for laser eye surgery and hearing aids.

For full details of the waiting periods, please refer to the policy wording.