A pre-existing condition is where the signs or symptoms of an illness or condition were evident (whether or not diagnosed by a doctor) at any time during the 6 months prior to joining a health fund, or upgrading to a higher level of cover.

If the illness or condition is considered to be pre-existing, there is a 12 month waiting period before benefits are paid towards your hospital treatment.

If you’ve had a lower level of hospital cover before your current nib hospital cover, you’ll get benefits at the lower level, provided your cover doesn’t have any excluded services.

If you want to know more about how we check pre-existing conditions and ailments, and what your options are, please contact us on 13 14 63.