* Accidents mean injuries inflicted as a result of unintentional, unexpected actions or events that require treatment by a registered practitioner, but excludes pregnancy.
^ Other treatments include psychiatric, rehabilitation and palliative care as an admitted patient in hospital
**If a member has a pre-existing condition, a waiting period of 12 months will apply before we will pay hospital or medical benefits towards any treatment for that condition.
A pre-existing condition is an ailment or illness for which the signs or symptoms were evident up to 6 months before a person becomes insured by a policy. It is the opinion of the CBHS appointed doctor that determines whether the signs or symptoms were in existence – that doctor, however, will have regard to any information provided by the member’s doctor.
Members must also wait 12 months to be covered for pre-existing conditions where they upgrade their cover.