Qualifying periods apply at ÖKK in the following life situations.
Pregnancy and maternity
Upon concluding one of the supplementary insurance policies mentioned below (where no equivalent previous insurance was in place), there is a qualifying period of 360 days from the start of the contract for all benefits related to maternity.
If you already had an equivalent insurance policy in place with your previous insurer, the qualifying period applies from when the contract was confirmed.
Upon concluding a daily allowance insurance policy, the qualifying period for maternity daily allowances is 270 days.
Supplementary insurance policies with qualifying periods:
- The essential foundation: ÖKK START
- More comfort and privacy in hospital: ÖKK HOSPITAL
- Alternative medicine and glasses: ÖKK NATURE PLUS
- Pregnancy and parenthood: ÖKK PARENTS
Dental treatments
Upon concluding an ÖKK SMILE supplementary dental insurance policy, two different qualifying periods apply:
- Twelve months for prosthetic preventative measures such as crowns, bridges, prostheses, dentures, core build-ups, dentures and apparatus for orthodontic treatment incl. the relevant temporary apparatus, repair work and the associated dental treatment and check-ups.
- Six months for all other treatments, such as fillings and root canal treatments
If you already had an equivalent insurance policy in place with your previous insurer, the qualifying period for dental treatment applies from when the contract was confirmed.
Benefits for prophylaxes and check-ups are not subject to a qualifying period.
Upon concluding an ÖKK START supplementary insurance policy, there is a qualifying period of three years for orthodontic treatmentLaser eye treatment
Upon concluding an ÖKK NATURE PLUS supplementary insurance policy, there is a waiting period of three years before the costs of laser eye treatment are covered.
What is a qualifying period?
Qualifying periods are periods following the conclusion of an insurance policy during which you cannot yet claim benefits under the policy concluded.
Overview of qualifying periods at ÖKK