Waiting periods apply to those who are new to private health insurance or those who already have cover with CBHS or another fund, and choose to upgrade to a higher level of cover.
Parts of waiting periods served within one health fund can be completed in another when a person transfers funds. If you upgrade your level of cover, waiting periods may apply to benefits not previously included within your original cover.
hospital waiting periods
Waiting periods apply to all levels of Hospital Cover and Package Cover and are listed in the table below.
All waiting periods displayed are in calendar months.
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Pre-existing conditions**
|
12 months
|
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Pregnancy/Obstetrics
|
12 months
|
|
All other treatments ^
|
2 months
|
|
Accidents* and Ambulance
|
1 day
|
*Accident means an injury arising as a result of unintentional, unexpected actions or events that require treatment by a registered practitioner, but excludes pregnancy.
extras waiting periods
Waiting periods apply to all levels of Extras Cover and Package Cover and are listed in the table below.
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Crowns, bridges and orthodontia
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12 months
|
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Artificial aids, healthcare appliances, oxygen and oxygen apparatus
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12 months
|
|
Prescribed optical appliances
|
6 months
|
|
Periodontic, endodontic, facings, occlusal therapy, implants and dentures
|
6 months
|
|
All other services
|
2 months
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For more information on waiting periods, please refer to the Health Benefit Fund Rules.
* Accident means an injury inflicted as a result of unintentional, unexpected actions or events that require treatment by a registered practitioner, but excludes pregnancy.
** Pre-existing conditions include wisdom teeth extractions as an admitted patient in hospital
^ Other treatments include psychiatric, rehabilitation and palliative care as an admitted patient in hospital