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Waiting Periods on PHI - help please


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I'm looking to get PHI as I'm wanting a tt, BL and BA done as well as dental benefits. I'm a bit confused about the pre-existing condition thing for my BL. I had my youngest 18 months ago and am just starting to wean. Would my breast saggyiness be considered to have occurred 18 months ago when I had my son - or when I stopped breastfeeding? The wait is generally 12 months for a condition that occurred within 6 months of joining. Just wondering where I fit?

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On 17/01/2018 at 9:08 PM, Iwantbigboobehs said:

I'm looking to get PHI as I'm wanting a tt, BL and BA done as well as dental benefits. I'm a bit confused about the pre-existing condition thing for my BL. I had my youngest 18 months ago and am just starting to wean. Would my breast saggyiness be considered to have occurred 18 months ago when I had my son - or when I stopped breastfeeding? The wait is generally 12 months for a condition that occurred within 6 months of joining. Just wondering where I fit?

It’s best you serve you’re waiting periods than start to make enquries on claiming.  I planned it with my rhinoplasty where I joined my health fund than started researching counsulted with surgeons a couple  months later serving the waiting period underwent rhinoplasty.

i would highly suggest do not undergo any procedures straight away when finished serving you’re waiting period as the PHI will carefully examine your claims.

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I had surgery within 2 months of joining my PHI and it was a bit of an ordeal getting my pre exisiting condition report filled out and accepted - I ended up self funding the surgery and then once it was approved they refunded me the money less my hospital excess.

You have to authorise them to access your medial history and they will contact your GP and specialists office for a copy of this history.

They take into account whether or not you would have had symptoms and would you be aware of them

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