Waiting period is the initial period of time you’ll need to wait before you can claim for certain procedures or services of your health insurance policy.

A hospital excess is the amount you need to pay upfront before being admitted into hospital as a private patient.

Psychology, physiotherapy, dietetics, speech pathology, podiatry, counseling, occupational therapy, exercise physiology and osteopathy then you will be able to claim benefits for these services whether delivered via telehealth or face-to-face by a registered health care provider.