What about hospital waiting periods?
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.
Waiting periods protect us and our members against people who simply join us, claim large amounts and then leave. We always try to keep waiting periods to an absolute minimum though.
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 or higher level of cover.
New Members transferring from another health fund and were previously on a lower level of cover can upgrade their cover without serving a two month waiting period for psychiatric treatment.
For HIF Hospital Cover, the waiting periods are as follows:
- 2 months: General hospitalisation
- 2 months: Psychiatric care, rehabilitation and palliative care
- 12 months: All pregnancy related services
- 12 months: Pre-existing conditions or ailments
What's a pre-existing condition?
A pre-existing condition is defined as: ‘Any ailment, illness, or condition where, in the opinion of a medical adviser appointed by the health insurer, the signs or symptoms of that illness, ailment or condition existed at any time in the period of six months ending on the day on which the person became insured under the policy.’
A pre-existing condition can be identified by the presence of signs or symptoms of the illness, ailment or condition (i.e. it’s not necessary for the member or their doctor to know what their condition is, or for it to be diagnosed). In assessing whether a condition is a pre-existing condition or not, an HIF-appointed medical practitioner will take into account information provided by your treating doctor.
Did you know...
HIF now covers a number of providers who allow you to access hospital services in the comfort of your own home. Depending on your level of cover, the in-home services you can access include chemotherapy, rehabilitation, complex wound management and chronic health disease management. For more information and to find out which providers are covered, get in touch on 1300 134 060 (Monday to Friday) or email email@example.com