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Why have PHI?

Why should I consider taking out private health insurance?

Peace of mind

Nobody has a crystal ball. Be prepared for whatever happens.

Avoid long waitlists

Receive elective medical treatment sooner rather than later.

Freedom to choose

Choose the doctor or surgeon who treats you in hospital.

Avoid financial penalties

Avoid paying more at tax time with the LHC and MLS.

People fall into one of four categories when it comes to health insurance.

They won't risk being caught without it.

They know that if they suffer an unexpected illness or injury, they want to be 100% financially prepared.

They can't see the point of health insurance

Do you enjoy long waitlists? Having no choice about who treats you? If the answer is no, you need health insurance.

They think it's a good thing to have but not 100% convinced.

There is a lot of misunderstanding about health insurance - knowing all of the facts might just get you across the line.

They assume that they just can't afford it.

Everyone's financial situation is different. This is why we offer a range of covers to accommodate your budget.

Not convinced that you need private health insurance?

We want to give you all of the facts so that you can make an informed decision. Below are ten very good reasons why private health insurance is well worth the money you spend in premiums.

10 great reasons to insure


Enjoy peace of mind knowing that you’ve prepared for the unexpected. 


Get treatment quickly – avoid waiting months or years on a waitlist.


Choose the doctor or surgeon who treats you in hospital.


Recover in a private room rather than a ward shared with strangers.


High earners either need to pay more at tax time or take out Hospital cover.


Avoid a 2% penalty for each year you delay signing up for Hospital cover.


Do you have thousands of dollars saved up to pay for expensive surgeries?


Get help paying for services like dental, optical, chiro, physio.


Take care of yourself with preventative measures like regular dental check-ups.


Be the one in charge of making important decisions about your health care.