Waiting periods for types of cover
|Hospital waiting period||Calendar month|
|Pre-existing conditions1 (except for hospital psychiatric services, rehabilitation and palliative care)||12 months|
|Pregnancy and birth||12 months|
|Hospital psychiatric services2, rehabilitation and palliative care||2 months|
|Accidents3, emergency ambulance transport||1 day|
|All Other Treatments||2 months|
1If you have a pre-existing condition, a waiting period of 12 months will apply before we will pay hospital or medical benefits towards any treatment for that condition. A pre-existing ailment is one where signs or symptoms of your ailment, illness or condition, in the opinion of a medical practitioner appointed by the health fund (not your own doctor), existed at any time during the six months preceding the day on which you purchased your Hospital cover or upgraded to a higher level of Hospital cover. The only person authorised to decide that an ailment is pre-existing is the medical practitioner appointed by CBHS Corporate Health. Our medical practitioner must, however, consider any information regarding signs and symptoms provided by your treating medical practitioner(s).
2Once you have served the two-month waiting period, you can choose to upgrade your cover (once in a lifetime) and access the higher benefits for hospital psychiatric treatment associated with that cover, without serving an additional waiting period.
3Accident means an unexpected or unforeseen event caused by an external force or object resulting in an injury to the body which requires treatment by a medical practitioner, Hospital or dentist (as the context requires) but excludes pregnancy.
|Extras waiting period||Calendar month|
|Major dental (periodontics, endodontics, inlays, onlays, facings, veneers, occlusal therapy, dentures, implants, crowns and bridges), orthodontia, artificial aids, healthcare appliances, oxygen and oxygen apparatus and hearing aids||12 months|
|Prescribed optical appliances||6 months|
|All other services||2 months|
Government initiativesLearn more about how the Government interacts with your health insurance.
For more information on waiting periods, click here to view the Health Benefit Fund Rules.