If you have not previously held private health insurance, or you upgrade your cover, the following waiting periods will apply:
|Accident cover||no waiting|
|Pre-existing condition||12 months|
|Obstetrics-related condition||12 months|
|Crowns and bridges, dentures, orthodontic, periodontic, wisdom teeth, endodontics, hearing aids#, orthotic appliances, podiatry-related aids, prostheses benefits and approved appliances#.||12 months|
|Optical benefits, Health Management Programs||6 months|
|Psychiatric care, rehabilitation or palliative care
(even if the condition is pre-existing)
| All other benefits
|| 2 months
*What is a pre-existing condition?
A pre-existing condition is one where signs or symptoms of your ailment, illness or condition – in the opinion of a medical practitioner appointed by us (not your own doctor) – existed at any time during the six months ending on the day on which you purchased your hospital insurance or upgraded to a higher level of hospital cover.
The only person authorised to decide if an ailment, illness or condition is pre-existing is the medical practitioner appointed by us. The medical practitioner we appoint must; however, consider any information regarding signs and symptoms provided by your treating medical practitioner(s).
Private health insurers can apply a special waiting period to new customers of hospital tables who have pre-existing conditions.
This waiting period also applies to existing policy holders who have recently upgraded their level of hospital cover.
If the ailment, illness or condition is considered pre-existing:
Monday to Friday
8:00am - 5:00pm (AEST)