A pre-existing condition is a medical condition (e.g. ailment, illness or condition) that you had signs or symptoms of during the six months before you arrived in Australia or your visa was granted, whichever is later.
Most health funds apply waiting periods to pre-existing conditions to prevent people who are knowingly unwell from signing up for health insurance, claiming for a planned procedure, then leaving once they’ve received their benefits after minimal premium payments.
We will appoint or approve a medical practitioner to assess whether there were signs or symptoms of the condition prior to purchasing your cover.
A health condition can still be considered pre-existing even if an illness had not been diagnosed prior to when you first got health cover from us.
A pre-existing condition includes a secondary related condition or disability directly arising from a pre-existing condition.
When you can claim for a pre-existing condition will depend on the type of cover you have.
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