Waiting periods

Make sure you know what waiting periods, if any, are applicable to your level of cover.

Waiting periods apply to those who are new to private health insurance or those who are already members of the CBHS family - or another fund - and choose to upgrade to a higher level of cover. Parts of waiting periods served within one health fund can be completed in another when a person transfers funds. If you upgrade your level of cover, waiting periods may apply to benefits not previously included within your original cover.

Hospital waiting periods

Waiting periods apply to all levels of Hospital Cover and Package Cover and are listed in the table below.

 Description  Period

Pre-existing conditions**

12 months

Pregnancy/Obstetrics

12 months

All other treatments ^

2 months

Accidents* and Ambulance

1 day


All waiting periods displayed are in calendar months.

Extras waiting periods

Waiting periods apply to all levels of Extras Cover and Package Cover and are listed in the table below.

 Description  Period

Crowns, bridges and orthodontia

12 months

Artificial aids, healthcare appliances, oxygen and oxygen apparatus

12 months

Prescribed optical appliances

6 months

Periodontic, endodontic, facings, occlusal therapy, implants and dentures

6 months

All other services

2 months


For more information on waiting periods, please refer to the Health Benefit Fund Rules

* 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.