There is no 3-month general waiting period, and no general or condition-specific waiting periods apply.
However, no benefits can be claimed for a period of 12 months from the start date of cover in respect of medical conditions, for which in the 12 months before the start date of the cover, medical advice, diagnosis, care or treatment was received or would reasonably have been recommended.
Pregnancy before the start date of cover will be regarded as a pre-existing condition, and any pregnancy or birth-related claims will be excluded for 12 months from the start date of the cover
If prior to the start date of Liberty Gap Cover, a policyholder had cover under another Medical Expense Shortfall Policy, then the pre-existing condition waiting period will only be applied to the unexpired part of the pre-existing condition waiting period from the previous policy. The pre-existing condition waiting period will, however, apply for the full period of 12 months for any benefit not provided under the previous Medical Expense Shortfall Policy.