Ask a question
4 Responses
More guides on Finder
-
Health insurance for sleep apnoea
Think you may have sleep apnoea? Here's what you need to know about public and private healthcare cover.
-
Medical costs comparison
Doing a medical costs comparison could save you a lot of money. Here's how to reduce your out-of-pocket medical expenses.
-
Health insurance for hernia surgery
Think you may need hernia surgery? See what's involved.
-
Health insurance for knee surgery
If you need knee surgery in Australia, see how private and public works and explore your options.
-
Health insurance for hip replacement surgery
Think you may need hip surgery in the future? Compare your options for public and private treatment.
-
Does health insurance cover gender affirmation surgery?
Medicare and private health insurance can work together to bring down the costs of your gender reassignment surgery.
-
Inpatient and outpatient services
Find out if being treated as an inpatient or an outpatient will affect your private health insurance cover.
-
Palliative care in Australia
Palliative care is the practice of easing the pain of a patient with a terminal illness and making them as comfortable as possible before death.
-
What is excess in health insurance?
Find the answers to the most common questions about health cover excesses in this helpful guide.
-
Public vs private healthcare
Learn the pros and cons of private vs public health in this handy guide to the differences between public and private health insurance.

I was diagnosed with an inguinal hernia last March. BHS said your referral has been assessed as routine.
The hernia is painful but I heard nothing from BHS. I found out the referral had been born in NZ written on it.
Hi Paul,
Sorry to hear about your medical condition.
When you mentioned BHS, did you mean Ballarat Health Services? If so, you may want to get in touch with them to check your referral status. You can call them on +61 3 5320 4000. I hope this helps
Regards,
James
I was told by my Doctor to go on the waiting list for knee reconstruction surgery.
Hi Jo,
Thanks for your inquiry.
If you are going to a hospital for elective surgery, some procedures tend to have considerably longer waiting periods than others and you may wish to make plans to have the surgery at a private hospital or to cover the surgery with a private health fund rather than going in as a public patient.
You may check our guide and list of health insurances for joint replacement. 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. You can use our comparison table to help you find the insurer that suits you.
When you are ready, you may then click on the “Go to site” button and you will be redirected to the insurer’s website where you can request a quotation or get in touch with their representatives for further inquiries you may have. Please ensure you review the relevant Product Disclosure Statements/Terms and Conditions before purchasing.
Hope this helps.
Best regards,
Rench