review your private health policy, page-13

Taddy said:

"Our fund has now been taken over by Medibank private, they now tell us no cover for hip surgery, knee replacements, and the list goes on."

this is because your level of cover is too low

to get what you want, you must upgrade your level of cover (for which there will be a 12 month waiting period for hip surgery, knee replacements, etc, after you upgrade)

regards