| General waiting period | 3 months | |
| Upgrading package | 3 months (must remain for 12months before upgrading) | |
| Hospitalisation | 6 months | |
| Dental | 6 months | |
| Pre-existing chronic disease medication | 6 months | |
| Specialist treatment | 6 months | |
| MRI & CT scans, Radiology, Nuclear medicine | 6 months | |
| Elective surgery | 6 months with authorization | |
| Orthopeadic appliances | 6 months (wheel chair excluded) | |
| Maternity | 9 months | |
| Geriatric nursing homes | 12 months | |
| Downgrading package | 12 months | |
| Foreign Treatment | 12 months | |
| Optical appliances & cataract extraction | 12 months, then 24months for subsequent collection of spectacles | |
| Haemodialysis | 24 months | |
| Chemotherapy and Radiotherapy | 24 months | |
| Internal and External prosthesis | 24 months | |
| Orthodontic and periodontic | 3 years | |
Waiting periods apply but may be amended at board discretion for corporates who have 50 principal members and above.