No, if the treatment or surgery you need is related to a pre-existing condition, you’ll have to wait 12 months before you can use your Gold Hospital cover for it. 

If you've upgraded your level of cover, a waiting period will apply to the upgraded benefits. 

During that waiting period, if you're admitted to hospital for a treatment related to the upgrade, you may be covered at your previous level cf cover, which can include an excess if your old policy had one. 

Please note, any services related to the pre-existing condition with a date of service prior to the 12 months waiting period being served will not be able to be claimed after you have served your waiting periods.