For general service you wait three months before accessing benefits and all the other waiting periods as listed below.

There are always exceptions to the rule of course, where full immediate cover is granted – and these are

  • A new employee joining the society because his employer is already a member
  • A new born baby(provided the baby is registered within the first three months of birth)
  • A spouse(provided the spouse is registered within 3 months of date of marriage)
  • Special situations – you may contact the society for such exemptions

The following waiting periods apply for the stated conditions

Hospitalisation 6 months
Spectacles 6 months
Chemotherapy 24 months
Haemodialysis 24 months
Prosthesis 24 months
CTMRI Ultra Sound Scans 12 months
Specialist Letter of Guarantee 12 months
Antenatal 9 months

Get a Quote

House Insurance Quote

Level of protection

Car Insurance Quote

Travel Insurance Quote

Life Insurance Quote

House Insurance Quote

Level of protection