Yeah what Cheeky Monkey said. I do not think you will find any PHI company that will pay out for cosmetic/aesthetic plastic surgery in this country. Also if it is a pre exisiting medical condition regardless of what it is the minimum wait by law with any health fund will be twelve months. sometimes you can find funds that are doing special deals and advertising that they will waive the standard waiting period which is two months on any claims but pre exisiting conditions will always have a twelve month waiting period before you can claim. This is to stop people rorting the system, joining, making a huge a claim and then buggering off again......

The only way to avoid waiting periods is if you have already served your waiting period with another fund and are simply tranferring funds. If you have never had private health before you have to serve the waiting period....

Hope that helps....