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You can apply for a Your Health Fund Plan online or by downloading an application form and returning it to us.
There are three application types to choose from. If you have any questions about the different applications forms please contact us.

Please note: To read or print out any of the PDF files, you must have the Adobe Acrobat® Reader installed: Download Adobe Acrobat

Full medical underwriting

This might be suitable for someone who wants clarity on whether a pre-existing condition will be covered. We will tell you if a pre-existing condition is excluded from cover.

On your application form you provide us with details of medical conditions which you have been aware of, or had signs or symptoms of, or undergone consultations, investigations, medication, advice or treatment for, in the last five years. We will tell you whether we are prepared to offer you cover for those conditions. You can then choose whether to accept cover on that basis. Your Policy Schedule will specify which conditions are not covered (excluded) or which are covered only to a limited extent.

Please ensure you have read the Policy Summary before proceeding

Moratorium

This might be suitable for someone who has not had signs and symptoms of a pre-existing medical condition in the last five years before applying for the policy.

On your application you do not provide us with any details of your medical history. Any medical conditions which you have been aware of, or had, signs or symptoms of, or undergone consultations, investigations, medication, monitoring, advice or treatment for, in the last five years will not be covered for at least the first two years of the policy. If you do not have any signs or symptoms of a pre-existing medical condition in any two year period of the policy then any cover for that condition will be provided in line with the terms and conditions of this policy, from that point on.

Please ensure you have read the Policy Summary before proceeding

Continued personal medical exclusions

This application might be suitable for someone who:

  • is applying to carry forward existing exclusions from a current private medical insurance policy to the new policy; and
  • wants clarity on whether a pre-existing medical condition will be covered under the new policy.

On your application you will provide us with some details about your medical conditions for which you have received treatment, or had, or may be planning to have, a specialist consultation, in the last two years. We will ask you to provide your most recent private medical insurance schedule or certificate as evidence of your existing cover.

If any medical conditions are not covered (excluded) under your current policy, these exclusions will continue under the new policy. We will also tell you whether we are prepared to offer you cover for any pre-existing medical conditions. You can then choose whether to accept cover on that basis. Your Policy Schedule will specify which conditions are not covered (excluded) or which are covered only to a limited extent.

Please ensure you have read the Policy Summary before proceeding