What does a twelve-month qualifying period in my private medical insurance mean?

This means that if you have had an injury or illness before taking out the insurance scheme, we cannot help you with it, unless you have been completely symptom-free for a continuous period of at least 12 months and if the problem is covered by your insurance conditions.

During this period you should not have been required to take any medicines, receive treatment, be subject to check-ups or receive care (for example, visits to a doctor, physiotherapist, naprapath or chiropractor).