What waiting periods do I have?

If you’re a new member, switching to a higher level of cover from Westfund or another insurer or re-joining after an extended period of time, waiting periods will apply.

When transferring from another fund or to a higher level of cover with Westfund, provided there’s been no break in coverage, waiting periods apply to:

  • any benefits under your Westfund policy which weren’t included in your previous cover,
  • to waiting periods not fully served under your previous cover; and
  • to any benefits provided under your previous cover where the benefit provided by your new Westfund policy is higher.

Waiting periods also apply to our Health and Wellbeing Programs.

As always, we recommend checking your Policy Summary for detailed information about your cover, including waiting periods.