Waiting Periods


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

There are three different types of waiting periods:

  • Initial waiting period - this applies when you take out health insurance for the first time or when you take out health insurance after your health insurance has lapsed for 13 weeks or more.
  • Pre-existing condition waiting period - Where you make a claim that relates to a pre-existing condition, a pre-existing condition waiting period will apply. Pre-existing condition is descibed above.
  • Upgrade waiting period - this applies when you upgrade your cover, i.e. purchase a plan with more comprehensive cover than your previous plan.


Depending on when you took out your health isnurance with Irish Life Health, different waiting periods apply.

Click here to find out more about waiting periods.