OSHCstudents – A medical illness or injury you have before starting a new health care plan may be considered a pre-existing condition. Conditions like diabetes, chronic obstructive pulmonary disease (COPD), cancer, and sleep apnea may be examples of pre-existing health conditions. They tend to be chronic or long-term.
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What is a pre-existing condition?
A pre-existing condition is typically when you have received treatment or diagnosis before you enrolled in a new health plan.
Chronic illnesses and medical conditions, including many forms of cancer, diabetes, lupus, epilepsy, and depression, may be considered pre-existing conditions. Pregnancy before enrollment is also considered pre-existing and chronic. Other less severe conditions such as acne, asthma, anxiety, and sleep apnea may also qualify.
Is there health insurance for pre-existing conditions?
Choosing a health plan is no longer based on the concept of a pre-existing condition. A health insurer cannot deny you coverage or raise rates for plans if you have a medical condition at the time of enrollment. However, health plans may better fit you than others if you have a chronic or pre-existing medical condition.
For example, if you need regular medical care, surgeries, or treatments, then a plan with a higher monthly premium and lower deductible may provide you with the coverage you need and help you manage more predictable costs.
Is pregnancy considered a pre-existing condition?
If you get pregnant before enrolling in a health plan, you cannot be denied coverage or charged more due to pregnancy. Coverage for pregnancy and delivery begins from the day you enroll in a plan. For Pregnancy benefits, you must buy a new policy or upgrade your current policy prior to 12 months to avoid huge hospital costs! Some service providers also give childcare benefits! For that, you need to check with the particular service provider!
When can you claim for a pre-existing condition?
There is a waiting period for pre-existing conditions. You cannot claim for costs arising during the waiting period if such costs arise from a pre-existing condition. Usually, pre-existing conditions require 12 months waiting period.
You are international students or foreigners arrive to Australia, or Australian citizens traveling abroad who are looking for OSHC, OVHC, travel insurance, please contact OSHCstudents Team at email: info@oshcstudents.com and our partners for further information and assistance.
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