Finding Health Insurance When You Have A Pre-existing Condition
All private health insurance companies must cover treatment for pre-existing medical conditions as stipulated by Australia’s pre-existing health condition health insurance law. However, while it won’t be difficult to find health insurance with pre-existing conditions, you can generally expect to wait up to 12 months before you can start claiming any benefits associated with your condition.
It might be best to compare top health insurance companies to help you find cover for pre-existing medical conditions. When comparing be sure to review which health funds offer the shortest waiting periods.
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Does private health insurance cover pre-existing conditions?
Yes, private health insurance companies in Australia do cover pre-existing conditions. Australian law requires that no one may be refused access to private health cover because of their health status or claim history. However, according to the Private Health Insurance Act 2007, health funds may impose a 12-month waiting period on benefits for hospital treatment for pre-existing conditions. Once you’ve served this waiting period, you may claim benefits.
When searching for pre-existing health insurance, take note that:
Even if your condition has not been diagnosed, it may still be considered pre-existing if signs and symptoms have been reasonably evident.
The health fund will determine whether your medical condition is pre-existing by appointing a medical practitioner to examine you.
The cost of your premium will not increase because of a pre-existing condition.
After serving the health fund’s waiting period, you are free to seek private treatment for your condition.
What is considered a pre-existing medical condition?
A pre-existing medical condition is a chronic ailment, illness or disorder that has existed at least six months prior to purchasing or upgrading your health insurance policy. This may be any medical complaint like a joint injury, asthma, or diabetes. The existence of a pre-existing condition is based on information from your doctor, and then diagnosed by a medical practitioner appointed by your health insurer.
How do private health insurers define pre-existing medical conditions?
According to the Private Health Insurance Ombudsman (PHIO), a pre-existing medical condition is any ailment, illness or condition that has existed within the six months prior to the date of obtaining your policy. Symptoms and signs of an ailment may be enough to determine whether you have a pre-existing condition, for example, a hernia, gall stones, diabetes, etc.
Your health insurer might request a medical certificate from your doctor, stating your medical condition over the past six months. Any persisting symptoms noted during this period are assessed, whether your doctor made a diagnosis or not.
Every private health insurer will analyse a person’s application on a case-by-case basis. However, pre-existing conditions are commonly linked to waiting periods of 12 months.
Is pregnancy a pre-existing condition?
While pregnancy isn’t generally defined as a pre-existing medical condition, you’ll typically still have to wait 12 months before you’re able to claim any pregnancy related benefits. As soon as you’re thinking of starting a family, you need to apply for private health insurance if you want to be able to choose your obstetrician and whether you want to give birth in a private hospital.
Will mental illness be classified as a pre-existing condition?
A mental illness or disorder is seen as a health problem that significantly affects how a person feels, thinks and behaves (ombudsman.gov.au). Unlike other pre-existing conditions, psychiatric services and rehabilitation usually only requires a 2-month waiting period.
Most common pre-existing medical conditions that are covered by health funds
Signs and symptoms should have been reasonably evident for the below conditions to be considered pre-existing. The most common pre-existing conditions people want health insurance cover for, include:
- Heart attack
- Cancer
- Angina
- Diabetes type 2
- High blood pressure
- High cholesterol
- Stroke
- Depression
- Organ transplant
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Ask an Expert?
4 Comments
Hey Guys!
I am moving to Australia for work in the next few months. I live in the U.S. and have good health insurance with my current employer. I am trying to find good health insurance for my wife and me – A requirement for our work VISAs.
Are there health plans out there that do not have a pre-existing clause or ones even that are less than 12 months? I have Crohn’s Disease and take a once-weekly injection from Humaria that does an outstanding job controlling/treating the condition.
I was hoping to not have to absorb those prescription costs for a full year before health insurance kicks in. Any thoughts, insights, or plans you can suggest would be greatly appreciated.
Thanks!
Dan
Hello Dan.
Thanks for your question. Generally, the 12-month waiting period for pre-existing conditions are pretty standard for all health insurance providers. However, because you currently have health insurance your waiting period could be reduced, depending on the insurer you choose.
Feel free to give us a call or fill in the quote form above and a specialist will assist you finding the right cover for you and your wife.
I have Crohn’s Disease and I’m wondering if it is possible to get Income Protection Insurance
Hi Karen.
Depending on a few variables regarding your pre-existing condition, for example, date of diagnosis, current medication, your age and general health, you could get income protection insurance. Every insurer has their own underwriting rules, so while one might offer you cover but exclude Crohn’s disease, another might provide comprehensive cover at an increased premium or even standard rates depending on your personal information. It’s best to shop around and see which one offers you the best cover at the best price.
Please give us a call on 1300 743 254 and request a pre-assessment be done – this is when we send your details on an anonymous basis to companies to see what coverage and premium you can expect.
Hope to hear from you soon.
Anneke