Why have private health cover?
Every day we answer questions about the value of private health insurance. And that’s fair enough.
We know it’s not always easy to get the cover that’s right for you.
While every person and every family will have different circumstances, it’s important that your level of cover suits your needs, your budget and your lifestyle.
So, wondering if it’s right for you? Here are just a few of the most important reasons private health insurance could be for you.
Why is private health insurance important?
Private health insurance, especially Hospital cover, provides security. It’s peace of mind knowing your loved ones will be cared for if they’re injured or have a health condition. Having private hospital insurance means that even if the worst happens, you or your loved ones will be protected.
More control over your healthcare
Hospital cover provides security, choice and timely access to care. There’s comfort in knowing you and your family are protected if the unexpected happens.
Wouldn’t it be nice to choose your treating doctor or surgeon when you go into hospital? With private health insurance, you have more choice when it comes to selecting the doctors and surgeons who’ll treat you.
You won’t have to wait
Hospital cover may help avoid those public hospital waiting lists (as long as you’ve got a suitable level of cover), so you’ll be able to access care when you need it.
We live in a lucky country. While Australia’s public health system is very good, there can be major wait times to get elective surgery.
During that wait time, you or someone you love may be in pain or struggling. Having private Hospital cover means you may get faster treatment for elective surgery – unlike those relying just on the public system.
Cover beyond Medicare
Extras cover empowers you to take control of your own health and wellbeing, knowing you’re supported with regular health treatments when you need them.
Depending on the type of Extras cover you choose, after you serve your waiting periods, you’ll be able to claim money back for a range of health services that may not be covered by Medicare - like dental, physio and optical - up to your yearly cover limits.
Extras cover can include a wide range of services like optical, dental, remedial massage, acupuncture, health aids and appliances and dietitian consultations.
Peace of Mind
Nobody has a crystal ball about what future health issues might affect them. With Hospital cover you’ll be better prepared for whatever happens.
Hospital cover provides peace of mind, knowing you’ll be covered if you need hospital treatment . With waiting lists in public hospitals getting longer, it’s always good to know you have private cover if and when you need it.
Save money with health cover
There are some incentives and rebates to be aware of when it comes to making the decision to take out private health cover.
There are three main incentives or rebates that may impact you:
- Medicare Levy Surcharge (MLS)
- Lifetime Health Cover loading (LHC)
- Australian Government Rebate on private health insurance.
These don’t apply to everyone, so we’ve put together some information to explain each on our website. You can take a look here.
Can you help me?
We get it. Private health insurance can be complicated. But you’re not alone.
Our team of consultants is on hand to chat through your cover options with you and which of our covers is best suited to your needs. Just reach out on 1300 886 123 and we’ll help you any way we can.