- Coronavirus FAQ's
- How we're supporting you during coronavirus
- The value of private health insurance in a pandemic
- Adding or removing people from your account
- Authorising another person on your cover
- Cover review
- How do I check my limits?
- Pre-existing conditions
- Suspending your cover
- Updating your details
- What am I covered for?
- Waiting periods explained
- Private health insurance reforms
- Gap in cover
- Ambulance explained
- Ante/Post Natal Services
- Dental Explained
- Extras limits explained
- Health Appliances
- Health Screening
- HICAPS & HealthPoint explained
- How does extras cover work?
- Natural Therapies
- Non PBS prescriptions
- Optical explained
- Set Benefits FAQ
- Telehealth Benefits
- Travel vaccines
- What is health maintenance?
- Emergency Department Fees
- Going to Hospital
- Hospital Added Costs
- Insulin Pumps
- IVF & assisted reproductive services
- LHC exemptions
- Public vs. Private
- Restrictions & Exclusions
- Understanding out of pockets
- What is an excess?
- What is LHC?
- What is the MBS?
- Where does Medicare fit in?
- Transcranial Magnetic Stimulation (TMS) Pilot
- Mental Health Waiver
- Entry Hospital
- Annual premium review
- Can I lock in my premium?
- I can’t use my cover like I used to...
- What if my cover is currently suspended?
- Where do my premiums go?
- Why does my premium change every year?
- Why does my premium change, if I rarely make claims?
- Why is my price change different to the national average percentage?
- 3 ways to save money on your health insurance.
Waiting periods explained
Switching to health.com.au?
If you’re switching to health.com.au from another health insurance company, we'll honour all of the waiting periods that you have already served – so you won’t need to wait again. That said, if your health.com.au insurance covers something that you didn’t have before, you’ll still need to serve a waiting period for that specific item.
Upgrading your cover?
If you are upgrading your policy to a higher level of cover than you currently hold, waiting periods will apply. These waiting periods apply to services you did not previously have covered for both Hospital and Extras, and on increased Extras limits.
The applicable waiting periods are defined as mentioned below.
New to private health insurance or had a gap in cover?
If you’re getting health insurance for the first time, you’ll have to serve waiting periods before some benefits can be paid. The waiting periods for our policies are listed below. We’ve broken them up into Hospital cover waiting periods and Extras waiting periods, to make them simpler to understand.
Remember that you may not be covered for all the services listed. You can login to your policy at any time to see what services you’re covered for on your specific cover.
Hospital Waiting Periods
(Remember that hospital cover applies to in-patient services only, which is when you’re actually admitted to the hospital.)
- 1 day for treatment in hospital as a result of an accident (as defined by health.com.au).
- 2 Months for any other benefit for hospital treatment.
- 12 months for treatment in hospital as a result of a pre-existing condition and for pregnancy related services.
Extras Waiting Periods
- 1 day for Ambulance Cover.
- 2 month waiting period for General Extras.
- 12 months for Major Dental including Endodontic work and Orthodontics.
- 12 months for Health Appliances.
If you have further questions or concerns about waiting periods, drop us a line and we can explain in further detail.