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What are waiting periods?

A waiting period is the length of time you need to have health insurance before availing of cover.

Will waiting periods apply to me if:

I am transferring directly to QUINN-healthcare from another Irish health insurer with no break in cover?

If you have served all your waiting periods then there is no break in cover when you transfer to us. If you have not served all your waiting periods with your previous Irish health insurer you can serve the remainder of them with QUINN-healthcare. We will fully recognise the length of time you’ve spent with your previous insurer.

I am taking out health insurance for the first time or it has been over 13 weeks since I last had private health insurance with an Irish health insurer?

The following waiting periods will apply if you are aged: Under 55* years 55-59* years 60-64* years Over 65* years
How long before you can make a claim for an accident or injury?
Immediately for all age groups
How long before you can make a claim for any new disease, illness or injury which began or the symptoms of which began after membership started?
26 weeks
52 weeks
52 weeks
104 weeks
How long before you can claim for any disease, illness or injury which began or symptoms of which began before membership started?
5 years

7 years
10 years

10 years
How long before you can claim benefit for maternity cover?
1 year
Not applicable
In addition, if you're upgrading your level of cover/benefits the following waiting periods will apply regardless of how long you have been insured:
You have health insurance and want to get a higher level of cover/benefits, how long before you can avail of the better cover/benefits for any disease, illness or injury which began or the symptoms of which began before you upgraded? 2 years (for all age groups)
You are already pregnant and you wish to improve your cover/benefits, how long before you can avail of the better cover/benefits?
1 year
Not applicable
Infertility Benefit
How long before you can avail of this benefit if you become a new member on or after September 1st 2009?
52 Weeks
If you are an existing member and change or transfer between schemes to avail of this benefit on or after September 1st 2009, what waiting period applies?
52 Weeks
How long before you can avail of this benefit if you are an existing member on a scheme that has this benefit? (the waiting period shall be reduced by a person's continuous period of cover (if any) on that scheme) .
52 Weeks

*These ages refer to your age on the date that your QUINN- healthcare cover commences.

 

QUINN-healthcare is a registered business name of QUINN Insurance Limited (Under Administration). Your insurance is provided by QUINN Insurance Limited (Under Administration), regulated by the Financial Regulator and registered in Ireland, No 240768. QUINN-healthcare Limited acts as an agent for healthcare products for QUINN Insurance Limited (Under Administration) and is a private company limited by shares, regulated by the Financial Regulator and registered in Ireland, No 242048. The registered office of QUINN Insurance Limited (Under Administration) and QUINN-healthcare Limited is at Dublin Road, Cavan, Co Cavan.