Pre-Existing Conditions

Claims and benefits within the first 12 months of joining the fund or increasing to a higher level of cover are subject to the pre-existing condition rule.

A pre-existing condition is where signs or symptoms of an ailment, illness or condition, in the opinion of a medical practitioner appointed by Navy Health existed at any time during the 6 months preceding the day on which you joined the fund or transferred to a higher benefit of cover. This is irrespective of whether your medical practitioner, you and/or your dependants were aware of the condition or ailment.

The pre-existing rule also applies when resuming a suspended membership and symptoms or signs developed during the suspension period.