How can I downgrade my cover?
Before making any changes, please consider:
- Your options – which Hospital and Extras cover is right for you?
- Your lower level of benefits – which services will be excluded, or covered at a lower level?
- The cost – get a quote via Online Member Services
- Waiting periods may apply on your Hospital and/or Extras cover if you choose to upgrade your cover in the future
Ready to make the change?
You can do it online anytime. Here’s how:
- Log in
- Go to My membership
- Click Cover details
- Click Edit
- Select Effective date
- Select Hospital product tier
- Select Hospital cover
- Select Extras cover
- Click Next
- Tick the Declaration
- Click Submit
Your next payment
Please note that downgrading may impact your ‘paid-to date’ (i.e. if your premium is decreasing, your next payment may be due later than it would have been).
To check your paid-to date:
- Log in
- Go to Payments
- Click on Payment Details - Premiums
- See Paid-to date
If you change your mind
All new cover comes with a 30 day cooling-off period. That means you can revert to your former cover (within 30 days) without re-serving relevant Hospital and/or Extras waiting periods.
If you upgrade after 30 days, waiting periods will apply for the increased benefits.