Just be careful as taking money from your Super is referred to extra income by Centrelink and it WILL reduce your payments. You are better off waiting the 6 months and paying it off yourself or get PHI, paying that for a year in advance then you are completely covered - especially if something goes wrong because you could be out of pocket for thousands.
For example, for sleeve effed up. I was throwing up, unable to keep fluids or food down. Public Upper Gastro surgeon prescribed me steriods & antibiotics. I got worse yet kept pressing on thinking this was normal. I was so dehydrated I was covering my face in coconut oil to stop the skin peeling off and couldn't stand for more then 5mins. When I go on the bus and lifted up my right hand to swipe the bus rider, it felt like I was raising my left hand. How weird. Lucky I had an appt with the Surgeon that day. I was so out of it by the time I arrived (and I DROVE!!) telling him what I was experiencing and I was raced to emergency, IV drip in my arm, potassium and magnesium levels had dropped to nothing so getting that stuff in via IV made my arm swell up to twice it's size and extremely painful but I had to put up with it until they regulated. Nasal tube put down my nose so I could get some nutrition - you are fully awake for that and it's a horrible experience. It gets caught near your throat and tongue and you feel like you are choking until you swallow enough to get it down. Then you spend the next few weeks with a sore throat and some tube you can see when you open you mouth.
I had to be put on the waiting list since now I had a nasal tube and had to be taught to feed and flush it myself, had to go back home and wait until there was theatre time available in the public hospital. Finally got in and had emergency bypass surgery and initially it was great - I could eat, I could drink! But I was going to the toilet every 20mins and I was constantly hungry, then I started to gain weight. He had made the opening to the intestines too wide so nothing was staying in so I went back and he refused to re-operate on me until I had gained all my weight back (12kg a month not enough to worry about apparently). So luckily I took out PHI just before my first op, so I saw another 3 surgeons about the issue. Two turned me away - too hard case. 1 said I don't know how to fix you yet, but I'm going to an international conference and I will find out how. Before he even returned, their offices called me and had a solution. He fixed me. But it was at a cost. With medicare and PHI, my out of pocket expenses was around $8k.
Sorry to be a downer, but if you are on Centrelink Benefits - research before you touch your super. They don't care it was for life threatening medical - it's income and they WILL reduce your payments. ATO also refer it to income so you will be taxed accordingly. Plus if you get CSA payments, they will turn it around and YOU may end up having to pay child support!
Plus if something goes wrong, are you going to be able to afford it? It was around $30k for my hospitalisation and expenses and I have a debt of around $15k that I am paying off - even with Medicare and PHI for the last surgery. Oh then I needed by Gallbladder out - another $800 out of pocket expenses for that.