Health Insurance for Laparoscopy

[tancj]

Hi everyone, I'm new here and I promise I did search through the forums for an answer to my question, huge apologies if I have just missed it completely and am repeating what has already been said! I was just wondering which private health insurer people have used that cover the costs of a laparoscopy. All the ones I have found that cover minor gynecological procedures seem to exclude laps. Also, does anyone know anything about pre existing conditions and how insurers judge these? I have not yet been to see a doctor about my concerns so there is no official record of any symptoms at this stage, guess I am hoping that if I can sign up now and see a doctor in a couple weeks it wont be considered pre existing! Once again, sorry if this has been asked and answered, I could only find info on the costs but nothing on which specific insurers people have used to cover the procedure! Thanks in advance!

[Kazzo]

Many years ago, (about 9) I was with NIB and had a laparoscopy and it was covered. Sorry I can't help for now though. I would guess if there is no record of your concerns then it could not really be judged as a re exsisting illness. But then I think most health insurances have a waiting period so that would be something else you would have to check for too.

[elmomumma]

health insurers dont advertise that they cover lap surgery...it comes under a code...

if you are not insurered, you may need to play the waiting game till its covered, some have a 3 month waiting period b4 u can claim some things....

also, if you havent been diagnosed, could be borderline with pre diagnosed....maybe go to a branch and ask??

[Trillian]

I had lap surgery done some time ago under the public health system and then again in 2008 as a private patient and it was fully covered under my PHI (GU Health). I don't think they can specifically exclude specific surgeries can they? It would be best to see a Dr and get an item number for it and then call around the companies to see if they do cover it or not. Major surgery like that is usually a 12 month waiting period, unless you can prove that it was not a pre-existing condition. So you would need to take out the PHI, then start seeing a Dr about it. have you checked out the bigger insurance companies or just the rinky-dink ones on i-select. Most insurance companies should cover all types of surgery depending on your level of cover.

[tancj]

Thank you so much for all the replies, its is definitely appreciated.