Most treatments and services have annual limits – this is the maximum amount you can claim each year. Annual limits reset on 1 January each year. There are a few exceptions which, depending on your cover, you may be able to claim for every 1 to 3 years – such as hearing aids, dentures and some artificial appliances.

What is HCF waiting period?

The waiting period for pre-existing ailments is 12 months. The waiting period for hospital psychiatric services, rehabilitation services and palliative care is 2 months. A pre-existing ailment, illness or condition is one where the signs or symptoms existed in the six months before joining HCF or upgrading your cover.

Is Cbhs calendar year or financial year?

“Calendar Year” means 1 January to 31 December of the same year.