(1) Any of the following days that occur after an * adult ceases, for the first time after his or her * lifetime health cover base day, to have * hospital cover are permitted days without hospital cover in respect of that adult:
(a) days on which the cover was suspended by the private health insurer in accordance with the rules for suspensions set out in the Private Health Insurance (Lifetime Health Cover) Rules;
(b) days (not counting days covered by paragraph (a)) on which the adult is * overseas that form part of a continuous period overseas of more than one year;
(c) the first 1,094 days (not counting days covered by paragraph (a) or (b)) on which the adult did not have hospital cover.
(2) The Private Health Insurance (Lifetime Health Cover) Rules may specify days that, despite subsection (1), are taken not to be * permitted days without hospital cover.