Identify any exclusions or special conditions that apply

Private health insurance policies may include exclusions, conditions and explanations in the ‘fine print' attached to their brochures and applications forms. Please read the fine print carefully before signing.
Many health funds offer hospital policies that ‘exclude’ certain benefits. For example services such as obstetrics and hip replacements are sometimes excluded from policies to help reduce the policy’s premium. Please read your fund's brochure to familiarise yourself with what your health insurance policy covers and what it doesn't. All health insurance is NOT the same.