Waiting Periods

A waiting period is the length of time you have to wait before you become eligible for benefits.  

The following waiting periods apply to Hospital cover
Pre-existing conditions* (other than Psychiatric treatment^, Rehabilitation & Palliative care) 12 months
Obstetric related conditions 12 months
All other services 2 months
  The following waiting periods apply to Extras cover
Health management programs 3 months
Optical 6 months
Major Dental (including Periodontics, Endodontics, Crowns & Bridges, Dental Implants, Dentures & Orthodontics) 12 months
Orthotic appliance and other health appliances and aids 12 months
Clinical Psychology 12 months
Hearing aids 36 months
All other services 2 months

Waiting periods apply to new members and to members re-joining after a lapse in cover. Waiting periods may also apply to additional benefits when you change your level of cover.

*For more information on waiting periods including the pre-existing condition and obstetric related conditions waiting periods, refer to the Membership Conditions.

^Insured people with limited or restricted mental health cover (psychiatric treatment) may upgrade to a higher level of cover without serving a waiting period to access mental health services once per lifetime. This waiting period exemption applies for each person covered on the policy. A 2 month waiting periods applies to mental health cover (psychiatric treatment) for people new to private health insurance.

Transferring from another fund?
If you have served all your waiting periods with another fund, you can transfer to equivalent or lower cover with Astute Simplicity Health without having to re-serve waiting periods on benefits common to both funds, providing you transfer within 2 months of ceasing to be covered by your previous fund. If you transfer to a higher level of cover, some waiting periods may apply for the higher benefits.

Want to find out more?

Call today on 1300 090 960

Underwritten by St.LukesHealth


These products are underwritten by St Luke's Medical and Hospital Benefits Association ACN 009 479 618 (St.LukesHealth), a registered private health insurer, [trading as Astute Simplicity Health] and members are introduced by Astute Financial Management Pty Ltd or related entities (collectively known as Astute) for which Astute receives a commission.

* The discount cannot be combined with other discounts available under other arrangements between St.LukesHealth and other alliance partners. The discount quoted is off the gross St.LukesHealth premiums. Direct debit is the only payment method available to Astute Simplicity Health members.

^ For some preventative dental items on selected products. Annual limits, fund rules and waiting periods apply. Under Gap Free Preventative Dental we pay 100% of your dentists regular fee up to a maximum benefit for each service.

#Selected products are Packaged Astute Gold 250, Packaged Astute Gold 500, Astute Top Hospital Gold 250, Astute Top Hospital Gold 500