As your situation changes throughout life, your health cover needs to change with it. We recommend you review your cover periodically and around any significant events. Getting hitched? Switch from single to couple membership. Welcoming your first child? Increase your level of cover and later switch to family membership. Kids over 21 years of age and still need cover? Get extended dependant cover. Kids all grown up and moving out? Remove them from your policy.
existing members who increase or upgrade cover, including changing to a different excess; and
new members transferring from a lower level of cover at another fund.
The previous level of cover continues to apply until all appropriate waiting periods for the new cover have been served. Years of membership with your previous fund are not recognised. Please contact us if you wish to discuss your individual circumstances.
If you reduce your level of cover, the lower benefits on your new cover will apply immediately if you have already served the required waiting periods.