Once you’re an HBF Hospital or Twin Pack member, there are waiting periods that apply before you can receive benefits. These waiting periods also apply when transferring to a product that may have higher benefits or different benefits, or when moving from a level of cover with an excess to a level of cover without an excess.
Why are waiting periods a standard arrangement in private health insurance?
Imagine you’ve been paying your health insurance premiums for years, then a new member comes along, pays just enough premiums to cover their treatment period, claims and then leaves. You and other long-term members will have, in effect, paid for their treatment. While they have contributed almost nothing to any treatment you may need in the future. It simply wouldn’t be fair.
You can find out the waiting periods for hospital cover here:
- Pre-existing ailments or conditions: 12 months (Does not apply for psychiatric, rehabilitation and palliative care.) Is an illness or condition which, in the opinion of a medical practitioner (appointed by HBF), was known to exist, or where signs or symptoms were evident during the six month period before you became an HBF member or transferred to a product that may have higher benefits.
- Maternity and birth related services: 12 months
- Other hospital treatments (including surgical): 2 months
- Urgent ambulance (cover for urgent ambulance transport by road): 7 days
You can find out the waiting periods for Extras cover here:
- Appliances: 1-2 years
- Chiropractic: 2 months
- Clinical psychology: 6 months
- Complementary therapies: 2 months
- Dental – general: 2 months
- Dental – major: 12 months
- Dental – implants and orthodontics: 12 months
- Dietetics: 2 months
- Foot orthoses: 12 months
- Hearing aid: 36 months
- Occupational therapy: 2 months
- Optical – contact lenses: 2 months
- Optical – glasses: 2 months
- Orthoptics – eye therapy: 2 months
- Osteopathy: 2 months
- Pharmaceutical: 2 months
- Physiotherapy: 2 months
- Podiatry (consults and surgery): 2 months
- Preventative health: 12 months
- Speech therapy: 2 months
- Urgent Ambulance: 7 days (Urgent ambulance transport by road only for circumstances classified by the state ambulance provider as requiring urgent attention. This cover excludes transport by air ambulance services.)