A:

A pre-existing condition is an ailment or illness where, in the opinion of a medical practitioner appointed by ACA Health, the signs or symptoms existed at any time during the six months before the day that a member joins private health insurance or upgrades to a higher level of cover.

Pre-existing conditions have an extended waiting period − 12 months − before hospital and major extras benefits will be paid on treatment relating to the condition.

The Mental Health waiting period exemption for higher benefit is available to each insured person on a hospital policy one in their lifetime and will apply from the beginning of a current admission if the election (fund was notified) was made within 5 days of admission, if not from the date of the election (fund notification received) where;

• The 2 month psychiatric/rehabilitation period has been served
• It is for psychiatric or drug and alcohol related treatment