Hospital Cover Waiting Periods
Hospital cover that's worth the wait.
Whether we’re answering your call, or helping you switch from another health fund, we don’t like to keep people waiting. But unfortunately waiting periods (the time you have to wait before you can claim for treatment) are a universal necessity.
All health funds have them. We wouldn’t be able to offer our affordable premiums and generous rebates without them.
Protecting your interests.
Waiting periods protect us and our members against people who simply join our health fund to claim large amounts and then leave. However, we always try to keep waiting periods to an absolute minimum. That’s why, if you join us from another health fund, we’ll take your previous membership into account so you don’t have to re-serve waiting periods on an equivalent level of hospital cover.
Our hospital cover waiting periods:
|
|
 |
 |
 |
 |
|
General hospitalisation |
2 months |
2 months |
2 months |
2 months |
|
All obstetric related services |
Not covered |
12 months |
12 months |
12 months |
|
All treatment related to a pre-existing ailment or condition, but not including re-existing conditions for psychiatric care, rehabilitation or palliative care. |
12 months |
12 months |
12 months |
12 months |
Switching to HIF? Allow us to organise it.
If you're switching from another Australian health insurance provider, we'll need a clearance certificate from your previous fund as proof of the waiting periods you've already served. But don't worry, we can take care of all that for you. Simply give us your authorisation and we can request a certificate on your behalf.