Extras Cover FAQs
What is a waiting period?
A waiting period is a period of time a member must wait before their cover commences. Waiting periods apply to:
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new members and members rejoining Defence Health
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members who upgrade their level of cover and the waiting periods have not been served under their previous cover. However, during the applicable waiting periods, these members will be entitled to benefits at their previous level of cover
What is a pre-existing ailment (PEA)?
A PEA is an ailment, illness or condition, which existed at any time during the six months before you purchased your new cover, or transferred to a cover with higher Benefits. There is a 12-month Waiting Period for all hospital, medical and extras services that involve treatment of a PEA, except General Dental services.
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Does the excess apply to extras such as optical or physiotherapy?
No, an excess is not applied to extras claims. However, out-of-pocket expenses may apply.
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