What does it mean to be in arrears with health insurance?

Being in arrears means you have fallen behind on your premium payments for your private health insurance. If you miss payments, your health fund may not cover medical or hospital expenses until you are up-to-date with your payments.

How many payments can I miss before losing my health insurance cover?

If you are two months or more behind on premium payments, your health fund will likely cancel your policy. This means you will lose all served waiting periods and may need to re-serve them if you rejoin.

What steps can I take to avoid falling into arrears?

To avoid arrears, ensure you know your payment schedule, set up direct debits, monitor your bank statements, and update payment details if your credit card changes. Additionally, check correspondence from your health fund for any notices about missed payments.

What should I do if my health insurance premiums are in arrears?

Contact your health fund immediately to discuss payment arrangements or suspension options. If you are unable to resolve the issue, consider reaching out to the Private Health Insurance Ombudsman for assistance or explore ways to make your cover more affordable.