Yep, you really need to call lots of PHI providers and ask lots of questions, esp what the wait period is. I was upfront and said I was wanting to have weight loss surgery, and what was the minimum level of cover I needed? I think majority are a 12 month wait for pre-existing conditions. There are some like NIB that had a 24 month wait unless you took out their top cover. They are all different and it can get confusing, but definately worthwhile calling around and comparing quotes.