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Everyone who joins QUINN-healthcare has immediate cover for an accident or injury and for out-patient costs incurred after joining. However, as with all Irish health insurers, waiting periods for cover may apply.

What are waiting periods?

A waiting period is the length of time you need to have health insurance before you can make a claim.

If you are transferring to QUINN-healthcare directly from another Irish health insurer and you have served all of your waiting periods, you will be covered immediately.

If however you are taking out health insurance for the first time, the following waiting periods will apply.

  Under 55 years 55-59 years 60-64 years Over 65 years
Initial waiting period.
(During this time you are only covered for treatment for an accident or injury)		 26 weeks 1 year 1 year 2 years
Pre-existing waiting period.
(This is how long you need to wait before you are covered for treatment for a condition you already have when you join)		 5 years 7 years 10 years 10 years
Maternity waiting period.
(This is how long you need to wait before you can avail of the maternity grant)		 1 year 1 year 1 year 1 year
In addition, if you're upgrading your level of cover the following waiting periods will apply, regardless of how long you have been insured:

All age groups

You have health insurance and want to get a higher level of cover, how long before you can avail of the better cover for a medical condition you already have? 2 years

You are already pregnant and you wish to improve your cover, how long before you can avail of better cover?

1 year

All ages refer to your age on the date that your QUINN- healthcare cover commences