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If you need a joint replacement because of a pre-existing condition like arthritis, your waiting period could be as long as 12-months. So start looking now if joint replacement is on the horizon.
Below you'll find policies from Finder partners that include joint replacement and/or reconstruction. For pre-existing conditions, all have a waiting period of 12 months and prices are based on a single policy in Sydney with $500 excess.
While health insurance can cover the cost of joint replacements, the level of cover provided varies substantially between health funds and individual policies. Some insurers will completely exclude joint replacements from lower tier hospital policies, while others will only pay a restricted benefit or cover specific joints such as knees. If you require health insurance for joint replacements you will need to take out a high-level hospital policy, which will generally include benefits for:
Health fund | Hospital policies that cover joint replacement* | Related services that are also covered |
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ahm |
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Australian Unity |
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Bupa |
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CUA Health |
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GMHBA |
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HBF |
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HCF |
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Health Care Insurance |
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health.com.au |
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hif |
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Latrobe Health Services |
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Medibank |
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Mildura Health Fund |
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nib |
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Peoplecare |
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Phoenix Health Fund |
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Queensland Country Health Fund |
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St. Lukes Health |
| |
Transport Health |
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ACA Health |
| |
CBHS health fund |
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Defence Health |
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Doctors Health Fund |
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Navy Health |
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Police Health |
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Reserve Bank Health Society |
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Teachers Health Fund |
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TUH |
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*All hospital policies apply a two month waiting period to joint replacement and reconstruction claims unless treatment is due to a pre-existing condition, in which case the waiting period is 12 months. Data last confirmed as correct November 2020.
As Australia’s population continues to age, the incidence of arthritis and a range of other joint issues continues to increase. Unfortunately, this also means that a rising number of Australians require hip and knee replacements. To give you an idea of the costs involved, lets look at some figures:
Joint procedure | Statistics |
---|---|
Hip replacements |
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Knee replacements |
|
Source of figures: https://www.privatehealthcareaustralia.org.au/variations-in-care-hip-and-knee-replacement/
Without private health insurance in place, joint replacement surgery can cost a substantial amount of money, as can be seen below.
When you get your quotes on the next page, just click refine search and then choose joint replacement under hospital cover.
Picture: Shutterstock
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should knee & hip replacements be added to a travel policy if there has been no problems for 5 yrs or more
Hi Barbara,
Thanks for getting in touch. Pre-existing conditions are assessed on a case-by-case basis. If you would like to find out more, please consult our article on pre-existing conditions and travel insurance.
All the best,
Richard