I think the short answer is No. Every health fund requires 12 mths of highest hospital cover for any bariatric surgery. I've been with the same fund for years, previously had top hospital, but dropped it back to basic, so when I wanted to have the sleeve surgery, I had to increase our cover again and wait the 12 months. I know it seems like forever, but it will come around quickly and be here before you know it ! I was sleeved last November and it's flown by !