What is health insurance?
Private Health insurance helps reduce or eliminate your out of pocket expenses for medical treatment in or outside of hospital, while giving you wider access to health care professionals.
While Medicare covers you for treatment in a public hospital, private hospital cover lets you choose when and where you are treated and the doctor you see. Extras cover also helps reduce the cost for many services not covered by Medicare like dental, optical and physio.
What happens if I want to switch to see-u from another fund?
Switching to see-u is very easy. After you’ve chosen your cover options, you’ll be asked to provide your current health insurance policy details in the joining form. We’ll then contact them directly to cancel your policy and to transfer over any waiting periods you’ve served. Simple!
I have a pre-existing medical condition – can I get health cover?
If you’re aware of a medical condition you already have, you can still take out health cover with see-u. You will have to wait 12 months before you will be covered for treatment relating to your pre-existing medical condition unless this waiting period was served with another provider.
What are waiting periods and how do they work?
When you first join see-u or upgrade your cover to include new services, there's a period you'll need to wait before you're able to claim certain services.
If you’re transferring from another health fund, we’ll recognise any waiting periods you’ve already served with your previous health fund for the same services on an equivalent level of cover with see-u.
The Australian Government sets the maximum waiting periods that health funds can impose on hospital insurance before you can make a claim. The maximum amount of time you'll have to wait before making a claim is:
- Pre-existing conditions: 12 months
- Pregnancy and Birth: 12 months
- Psychiatric, rehabilitation or palliative care: 2 months
- Other Hospital Services: 2 months