For pre-existing conditions, waiting periods up to 12 months may be enforced, depending on policy underwriting. During this period you are not allowed to claim for treatment for these conditions.

Condition-specific waiting periods are not applied to new employees, provided that they join the Fund within the first month of commencing employment with Woolworths or Truworths. This will also apply to their immediate family. Should you marry or have a baby after joining, you need to register your dependant within 30 days of the event or alternatively underwriting will be applied to your new dependant.