Health insurance A-Z

Waiting periods & pre-existing conditions (PEC)

Waiting periods for Hospital and Extras covers and pre-existing conditions rule for Hospital covers are explained here.


We explain all the key terms and give examples of how health cover works.

How to read your PHIS

The Private Health Information Statement (PHIS) is a summary of the key features of your cover in the government’s standard format.

Clinical categories and Extras services

Have you ever wondered what is included in Hospital and Extras?

Here we explain what is included in each clinical hospital category for private hospital insurance, along with our own extras services categories to help you see what you can be covered for on our hospital and extras products.