A pre-existing condition is one where signs or symptoms of your ailment, illness or condition, existed any time in the six months before you started or upgraded your hospital cover. The condition may not even have been diagnosed.
Can I claim for a pre-existing condition?
Yes! Here’s when:
New to health insurance = 12 month wait for any hospital benefits.
Transferring or upgrading to higher hospital cover = 12 month wait for the higher hospital benefits.
Waiting periods already served on a previous hospital cover won’t need to be served again.
Who decides if a condition is pre-existing?
We certainly aren’t medical professionals, so we enlist the help of someone who is. This independent person will decide based on information from your doctor(s), along with your associated claims history.
When in doubt
If you have less than 12 months membership on your hospital cover, make sure you contact us before you are admitted to hospital and check if the pre-existing condition waiting period applies to you.
We have a great range of hospital covers, so you can pick the one that suits your lifestyle and budget.With extras you can claim for services such as dental, optical, physio and massage. We have a great range of covers, so you can pick the one that suits your lifestyle and budget.
(*) Prices include direct debit discount. (R) Restrictions apply. Sub limits may apply on extras products, click on for more details. Set extras benefits apply per service and vary depending on cover. Waiting periods may apply. Your rates may differ based on your Lifetime Health Cover loading (LHC). Actual rates may differ from those stated by up to 5c due to rounding increments.
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Looks like we don’t have an option that suits your needs
Unfortunately, we don’t have a level of cover that matches the criteria you have selected. If you would like to discuss this further, please contact us on 1300 360 701 or via email at email@example.com.