I want to use the Mental Health Waiver – how do I do this?

The Mental Health Waiver enables you to upgrade to Top Hospital (Gold) and access in-hospital (inpatient) psychiatric treatment right away – without serving the usual two-month waiting period.

Here are the steps:

  1. Check your eligibility

First, please ensure you’re eligible to access the waiver. It’s available to members who:

  • Already have restricted cover for Hospital psychiatric services
  • Have had that cover for at least two months
  • Are prepared to upgrade to Top Hospital (Gold)
  • Haven’t used the waiver before – it can be used by each person on a membership, but only once per person in their lifetime.

  1. Gather the key info

When you contact us to apply the waiver, we’ll ask you: 

When to apply it?

  • Right away – this will cover you for an immediate/imminent admission
  • Backdated – apply the waiver up to 5 days after your hospital admission and you can claim costs from the date you were admitted. Any longer than 5 days and it’ll be from the date you applied the waiver.
  • Future – tell us when you want the waiver to come into effect.

Which hospital excess you’ve chosen?

When you upgrade to Top Hospital (Gold), we’ll ask you to choose from 3 hospital excess options:

  • $0
  • $300
  • $500

  1. Contact us

Depending on the urgency of your request, you can: