News Medical (Life Science) - In Australia, although pre-existing conditions are referred to in the policy literature of all private health insurers, the exact details could vary from one insurer to the other. A waiting period, which is not more than 12 months, can be executed by health insurers before the insured person is able to access hospital benefits for certain pre-existing conditions.
Pre-existing conditions are medical conditions, ailments, or illnesses for which the insured person exhibits symptoms or signs at any stage in the preceding six months, calculated to the day the policy becomes active. There is no need for a diagnosis. Moreover, the insured people are not expected to know about the pre-existing condition. It could rely on the opinion of a medical adviser..>>>