What is a Pre-Existing Ailment and how does it affect me?
A Pre-Existing Ailment is any illness or condition that you had signs or symptoms of during the six months before you purchased health insurance – this includes conditions that had not yet been diagnosed by yourself or your doctor prior to taking out your health insurance plan. As a general rule, most Health Funds have a Waiting Period of 12 months for Pre-existing Ailments, except for psychiatric care, rehabilitation or palliative care, which each require a two month wait only.
