Mental health waiting periods — NZ health insurance

A mental health waiting period is the time you must hold the policy before mental health benefits can be claimed. We have not found a general one in the policy documents we hold, but check the mental health benefit in your plan's wording.

We have not found a general waiting period of this kind in the policy documents we hold (a few are short brochures rather than full wordings). That is not the same as no wait: individual benefits can have their own (several Southern Cross and Accuro benefits start only after 3 years of continuous cover), and pre-existing conditions may be excluded. Check the benefit in each plan's wording.