FREQUENTLY ASKED QUESTION

When can I start using my hospital insurance?

When you buy hospital insurance for the first time or after not having it for a long time, or you upgrade to include a new service, there will generally be a waiting period you need to serve before you can claim.

At HBF, waiting periods for hospital insurance are as follows

• 12 months for pre-existing conditions^* and Pregnancy and birth
• Two months for other in-hospital treatments
• Seven days for Urgent ambulance (by road)
• From the day after you join for Accident Cover^*