Waiting periods are the initial periods after joining or upgrading your extras cover during which you cannot claim extras benefits.
If you haven’t already served waiting periods, after two months you can claim benefits for all extras services available on your level of cover, except for the following, where the respective waiting periods apply:
|Laser Eye Surgery
If you haven't already served waiting periods, after two months you can claim benefits for hospital services available on your level of cover, except for the following where 12-month waiting periods apply:
- Pregnancy and birth-related services, including IVF
- Pre-existing conditions (excluding psychiatric conditions, palliative care and rehabilitation)
- Home nursing
- Home sleep studies.
Waiting periods do not apply for:
You may be able to obtain immediate benefits if you are transferring from another health fund with an equivalent level of cover.
- Newborn babies added to a family hospital cover within 60 days after their birth
- Treatment required immediately following an accidental injury sustained after you’ve joined.
Waiting periods when you transfer from another fund
If you transfer from another fund with an equivalent level of cover, and have served the relevant waiting periods, you can obtain immediate access to all services on your selected level of cover. A 12-month waiting period applies to any higher limits on your new Health Partners cover for Orthodontic, Laser Eye Surgery (Platinum package) and CPAP Apparatus. During this time you will receive the same benefits as your previous level of cover.
If you transfer to a higher level of cover, waiting periods apply to the additional benefits available on the higher level of cover. During this time you will receive the same benefits and pay the same excess and co-payment (for hospital or package cover) as the Health Partners equivalent of your previous level of cover.
Where your previous cover had excluded benefits, waiting periods will apply for these specific services.
If you have only partially served waiting periods with your previous fund, the remainder of the waiting period will be served with Health Partners.
Any loyalty bonuses or accrued entitlements with your former fund are not transferable to Health Partners.
When you transfer, we will explain to you which benefits you can claim immediately and the waiting periods that apply (if any).
Waiting periods when you change your cover
For current members changing their level of cover, waiting periods only need to be served for the additional benefits on the new level of cover. During this period you will receive the same benefits as your previous level of cover.
When you change your cover, we will explain to you which benefits you can claim immediately and the waiting periods that apply (if any).
A pre-existing condition is one where signs or symptoms of an ailment, illness or condition, in the opinion of a medical practitioner appointed by the Fund, existed at any time during the six months preceding the date on which you purchased or upgraded your hospital cover.
A 12-month waiting period applies for pre-existing conditions. This does not apply to psychiatric conditions, palliative care and rehabilitation.