Each benefit has its own claiming year, which is 12 months from the date of the first treatment you receive or hospital stay you claim for. You can claim straight away for treatment received on or after your policy start date, however certain benefits (marked *) do have a qualifying period or a 6 month qualifying period for pre-existing conditions. Take a look at the policy terms and conditions for full details. Dependent children up to the age of 18 are covered for free at the same level as the policyholder for all benefits except birth/adoption.


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