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Home / Health Insurance / Switching Health Insurance Funds Made Easy

Switching Health Funds

There are many different health funds and lots of different health insurance products. To protect fund members when switching between funds or products, the Private Health Insurance Act 2007 requires health funds to allow portability for hospital cover. This means you have the right to change health funds or products and important elements of your cover transfer with you.

Waiting periods served transfer with you


  • Waiting periods served with your former fund transfer with you
  • Waiting periods yet to be completed transfer with you

You only need to serve waiting periods for new services that weren’t covered under the old policy.

Your Lifetime Health Cover is protected

Your Lifetime Health Cover status transfers with you too. Your status is not affected as long as you’ve switched to a hospital cover with an excess of $500 or less for singles and $1,000 or less for couples/families.

Making the switch

The good news is we take care of most of the details for you. All you need to do is sign a transfer request form and send it back.

The transfer request form provides your new health fund with information about:

  • the waiting periods you have served
  • the level of cover you have been on
  • your Lifetime Health Cover status
  • your extras claims so far for the year

It’s so easy and very worthwhile when you’re switching to better value cover or cover that meets your needs.

Compare our different health funds and products now.

Extras cover and portability

The portability rules do apply for extras cover. However, most health funds will recognise waiting periods already served for the extras benefits you had on your previous product. All funds operate differently so you should check this with us. Call us on 1800 773 022.

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