Quote Originally Posted by pussyviolet View Post
Hi guys - I have a Q re IVF and PHI - has anyone had to wait 12 months before they could claim the small proportion PHIs pay for IVF? It is technically 3 months waiting period for the fund I'm in but can be classed as pre-existing - I'm curious to know how this is assessed? With thanks!
Isn't it only pre-existing if you knew about it? I'd think if you're already covered and just in the process of serving your 3 mth wait period then you're ok.

If however you've already had some investigations or procedures then I guess that comes under pre-existing.

What I mean is I don't think it's pre existing simply because you might have been infertile for a while - I think it's only (proof wise) pre-existing if you were already having treatment for a known fertility issue.