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Health

Waiting periods

Service

Waiting Period

Ambulance Cover  7 days
Artificial Appliances 1 - 2 years, depending on appliance
Chiropractic 2 months
Clinical Psychology 6 months
Complementary Therapies 2 months
Dental: General 2 months
Dental: Major 12 months
Dental:Implants and Orthodontics 12 months
Dietetics 2 months
First Aid Courses and Kits 6 months
Foot Orthoses 12 months
Hearing Aid 36 months
Optical 2 months for glasses; 12 months for contact lenses
Occupational Therapy 2 months
Orthoptics (eye therapy) 2 months
Osteopathy 2 months
Pharmaceutical 2 months
Podiatry (Also see Foot Orthoses) 2 months
Physiotherapy 2 months
Preventative Health 12 months

Please note that this is a general guide only. For further cover details, see the Essentials Policy Details brochure (a reference guide to HBF Essentials cover terms and conditions).