How could a pre-existing condition affect my level of cover?

A 12 month waiting period applies to all new members for hospital costs relating to the treatment of pre-existing conditions. Should you wish to claim a benefit for hospital treatment before this period ends, you will need to ask your certified medical practitioner to complete the Medical Practitioner Certificate regarding ‘Pre-existing Ailments’ form. This certificate helps Westfund determine the level of health insurance benefits that will apply when hospitalisation is required for members who have been with Westfund for less than 12 months. Once this period is over you are entitled to the full benefits available under your policy.

More information from the Commonwealth Ombudsman.