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Waiting Periods
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Are there any waiting periods?
There are no waiting periods if you switch to Bendigo Health Cover from another provider with the same level of cover. In most cases immediate cover is available through Bendigo Health Cover.
However for pre-existing conditions, other than the conditions listed below, benefits will not be payable during the first 12 months.
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The following waiting periods apply for:
| Benefits |
Waiting Period |
| Obstetrics/childbirth for Basic Hospital Cover only |
9 months |
| Obstetrics/childbirth for all other covers including Comprehensive Hospital Cover |
12 months |
| Psychiatric (except for Basic Hospital Cover) |
12 months |
| Rehabilitation (except for Basic Hospital Cover) |
12 months |
| Health management programs |
6 months |
| Extraction of wisdom teeth |
6 months |
| Optical |
6 months |
| St John Ambulance First Aid Course |
6 months |
| Major Dental (including dentures, crowns, bridgework, implants) |
12 months |
| Orthodontics |
12 months |
| Orthotics |
12 months |
| Hearing aids |
12 months |
| Blood glucose monitors / Blood pressure monitors |
12 months |
| Asthma pumps / Peak fl ow meters |
12 months |
| TENS Pain Control Machine |
12 months |
| C-PAP Airways Pressure machine |
12 months |
| Non-surgical prostheses |
12 months |
| baby+me Program |
12 months |
| COACH Program |
12 months |
| Pre-existing conditions |
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| Treatment of pre-existing psychiatric conditions and a pre-existing need for rehabilitation or palliative care |
2 months |
| All other pre-existing conditions (including elective procedures e.g. vasectomy, cosmetic surgery) |
12 months |
Bendigo Health Cover is issued by Australian Unity Health Limited,
ABN 13 078 722 568, a Registered Health Insurance Benefits Organisation, 114 Albert Road,
South Melbourne, VIC 3205. Bendigo and Adelaide Bank Limited and its related bodies corporate do not accept
any liability for, or guarantee benefits in respect of this cover. Bendigo Bank acts under its
own Australian Financial Services License and under an agreement with the insurer. This brochure
contains a general description of cover available. All details are set out in the Health Cover Guide.
Bendigo and Adelaide Bank Limited, The Bendigo Centre, Bendigo, VIC 3550, ABN 11 068 049 178. AFSL 237879.
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