Private medical insurance is designed to provide cover for new and unexpected acute conditions which first arise after the policy start date. If you’ve had medical treatment, or even just experienced symptoms without necessarily seeing a doctor, in the past (usually the previous five years), then it is unlikely your policy will provide cover for a recurrence of this condition or any related condition.
Therefore, if you are currently experiencing mental health problems, or have done so in the past five years, it is unlikely you will be able to use the mental health care benefit provided by Freedom Elite to receive private treatment.
Cover may be available once you have completed a full, unbroken two-year period after the policy start date during which time you do not receive any medical advice, treatment, or medication, or experience any symptoms. However, mental health conditions can often last for many years and it is often the case cover will not become available because there will not be a full, unbroken two-year period with no recurrence.
If you want to include cover for mental health care on your policy, we recommend discussing your needs and circumstances with your broker before committing to your purchase.