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Yes, you can. If your condition or illness is determined to have met the pre-existing condition definition, a 12-month waiting period applies from the date of joining or upgrading your level of hospital cover.

A pre-existing condition is an ailment, illness or condition where, in the opinion of a medical practitioner appointed by the insurer (not your own doctor), the signs or symptoms of a condition existed during the six months before you first joined hospital cover or upgraded to a higher level of hospital cover.

To discover what Apia Health Insurance does and does not cover, take a look at the Forms & Documents found on our Health Insurance page.