Hi there, I have PHI with BUPA for more than 1.5 years (served all waiting periods). Currently on $500 excess.
Can someone give me an idea if I lower my excess (change from $500 to $250) then would it impact my waiting period. Will I have to serve all waiting periods again? I know lowering excess would increase in my premiums. I called BUPA but consultant didn’t sound confident and couldn’t provide me any written information.