Most health funds have waiting periods for various procedures. This is normal and usually in place to stop people getting cover just as they need treatment then stopping cover once all their treatment is complete.

Im not sure on what specific policy has in this regard. However, many will waive the waiting period if you are transferring from a previous equal/higher level of cover or even as as incentives to switch over. My advise is simply to shop around and ask all your questions before committing to any health fund.

As I have previously mentioned, my experiences with have been good. I am personally not a high user of medical treatments and it works for me personally. I have also found it easy to claim but i have only used the HICAPS system of claiming.

Hope that helps