A waiting period starts from the date you join. During a waiting period you are not covered and will not receive any benefits for the types of treatment affected by the waiting period. Once the waiting period is over, you will receive the full benefits listed under your cover for that treatment type.
If you receive a service or treatment during this time, you are not eligible to receive a benefit payment from us regardless of when you submit the claim. We will only pay a benefit for treatment received during a waiting period if the treatment is classified as Emergency Treatment.
Emergency Treatment is any treatment required where a person:
If you’re changing from another OSHC provider to Bupa, you’ll continue to be covered for all benefit entitlements that you had on your old cover. We will honour all waiting periods you have already served when we receive confirmation of your previous membership.
|Pre-existing conditions or illnesses of a psychiatric nature||2 months|
|Pregnancy related services (including childbirth)||12 months*|
|All other pre-existing conditions or illnesses||12 months|
*Not applicable to OSHC members who joined before 1 July 2011.
If you have any questions or need assistance: