There is quite a delay at the moment with APRA. Once you have submitted all forms and doctors letters etc, you must allow 21 working days for processing. If you are approved first go, you then have to apply to your super fund for the money, so it could take a further 1-2 weeks to receive the money. So all going well it takes roughly 6 weeks. If you pay for the surgery in advance, they require proof of debt or a stat dec.