Hmm well may have to have a look into that... Of course if that is the case with waiting periods I'd be pretty peeved if I switched then got pg straight away our phi now is pretty expensive but I think that'll be the case with any that have children covered. Very depressing sometimes though when the only time we've had to use it was with 1 1/2wk hospital stay when dd1 was born 4 1/2yrs ago! Oh well dems da breaks I guess