You may have what’s called a pre-existing condition.
This is an ailment, illness or condition where you had the signs or symptoms (in the opinion of one of our Medical Practitioners) 6 months before you joined private health insurance or changed your cover.
It’s determined by an ahm approved Medical Practitioner (not your own).
If you have a pre-existing condition, and you’re taking out private hospital cover for the first time or changing to a cover that has additional services or higher benefits, you’ll have to wait 12 months before you can claim on your hospital cover.
For more information check your member guide or contact us.