A specific medical service may be covered only after a certain waiting time known as a 'benefit limitation period.' Once this waiting period is over, you are covered for that service.
Insurers generally impose the following waiting periods for a policy to be a complying health insurance policy:
- 12 months for all pre-existing conditions (except psychiatric care, rehabilitation or palliative care (whether or not for a pre-existing condition)
- 12 months for obstetric treatment
- 2 months for psychiatric care, rehabilitation or palliative care (whether or not for a pre-existing condition)
- 2 months for any benefit for treatment provided in a hospital.
If you are unsure about waiting times contact your insurer
The Ramsay Hospital Group has contracts with all major health funds, minimising out of pocket expenses for members.
There are many and varied health fund products; therefore we recommend you contact your health fund prior to your admission to ensure that you and your baby are covered for admission to Cairns Private Hospital.
NOTE: If you only have singles or couples health insurance cover at the time of your delivery, it is most likely that your baby will not be covered by your health fund if an admission to the Special Care Nursery is required.
Admission of a baby can be very expensive and we therefore highly recommend that you upgrade to family cover early in your pregnancy. Some health funds require that you upgrade 3 months prior to your expected date of delivery.
Please note that if you are having a multiple birth (e.g. twins or triplets) there will be a charge for any number of babies delivered greater than one, as these babies are required to be a qualified admission.
All patients will receive a letter prior to their admission to confirm their admission and any out of pocket expenses to expect.
If you have any concerns prior to your admission, please do not hesitate to contact the hospital on (07) 4052 5232.