Our expert says:
Unfortuantely every scheme, where you can elect to join or not, can impose a waiting period of at least 3 months. In addition to this they can also impose a pre-existing exclusion for a period of up to 12 months, if there is a condition which they believe will unfairly cause a drain on the finances of the scheme.
I would contact your financial adviser, or Discovery directly, to establish whether they will in fact impose a waiting period in your particular circumstances.
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