Has anyone needed to be hospitalised before their private health insurance reached 12 months old?

I know there are forms to be filled out for these cases but i would like to know if anyone had to go through this process before? Is it worth it? Does it take too long to process by the PHI co.? What was your outcome? Should i just go on the public wait list?

The anniversary of my PHI is in July-August.

I hope it makes sense.

TIA