All health funds have waiting periods. In short, a waiting period is a period of time you need to wait after taking out your cover before you can receive benefits for services or items covered.
You’re not able to receive benefits for any items or services you might have obtained while you’re serving a waiting period or before you joined Medibank.
Waiting periods will apply if you're a new member, you're rejoining Medibank after not having health cover for some time or you're changing to a higher level of cover (either within Medibank or transferring from another registered Australian health fund). If you're changing to a higher level of cover, you'll still be entitled to benefits at the level of your former cover while you're serving any waiting periods on your new cover if:
- those services were included under your old cover; and
- you've already served the waiting periods that applied under your old cover.
Waiting periods may apply to some of our betterhealth programs.
That depends on the types of services or items included on your cover.
|2 months*||All services (including ambulance services) - except those set out below
Pre-existing conditions. However, the 12 month pre-existing condition waiting period does not apply to hospital or hospital substitute treatment for psychiatric treatment, rehabilitation treatment or palliative care
Major dental services
Dental surgical procedures and surgical extractions (eg. wisdom teeth)
Peak flow meters
|24 months||Blood glucose monitors|
Laser eye surgery
* If you have an accident after joining us or changing cover and require treatment, we'll waive the 2 month waiting period.
The Mental Health Waiver allows members who have served their two month waiting period for Restricted (Limited) in-hospital psychiatric treatment to upgrade to a cover with Included in-hospital psychiatric treatment and elect to have the two month waiting period for those higher benefits waived
Members can elect to use their waiver at the point of upgrading or after upgrading, prior to serving the two month waiting period for Included psychiatric treatment. Members need to have held Hospital cover without a break of more than two months to be eligible to use the waiver.
The waiver only applies to the two month waiting period for the higher Included benefits for in-hospital psychiatric treatment. All other applicable waiting periods will continue to apply.
Members will only be able to use the Mental Health Waiver once in their lifetime.