if you previously held Gold level hospital cover with another health fund and then joined Police Health, an excess may still apply in the first 12 months of membership, if the services are deemed as pre-existing.  

When you upgraded your hospital 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. This can apply to when you're upgrading to gold level hospital cover from basic, bronze or silver level of cover. 

Once the waiting period for the upgrade is complete, Police Health's hospital cover applies and you won't have to pay an a excess.