Whether you're looking to avoid long public wait times, plan for a growing family, or simply gain more control over your healthcare needs, having the right health insurance cover can make all the difference.
Private health insurance can play a vital role in helping Australians access quality healthcare faster, with more choice and greater peace of mind.
Whether you're looking to avoid long public wait times, plan for a growing family, or simply gain more control over your healthcare needs, having the right health insurance cover can make all the difference.
Private health insurance is a policy that may help cover the cost of medical services and hospital treatments outside of the public Medicare system. It typically comes in two types:
May assist in meeting treatment costs as a private patient in a hospital, potentially providing you a choice of doctor and reduced waiting periods.
May assists with meeting costs of everyday health services not included under Medicare, such as dental, physiotherapy, optical and more.
You can also consider taking a combined cover, which includes both hospital and extras benefits, which is a popular choice for many.
Key benefits of holding private health insurance can include:
Avoiding long waiting lists in the public health system and getting the treatment you need sooner.
Accessing greater flexibility around healthcare with the ability to choose your doctor, your hospital, and when you receive treatment.
Extras cover may assist in managing the costs of common health treatments like dental, physio, and optical care.
Holding an eligible private hospital policy can help you avoid paying the Medicare Levy Surcharge (MLS) and reduce the impact of Lifetime Health Cover loading.
Every Australian has different health needs. Whether you're single, part of a couple, or raising a family, it’s important you find a policy that matches your lifestyle and budget.
Below are some factors to consider:
Young singles may benefit from a basic hospital + extras packages, while families might look for cover that includes pregnancy, paediatrics, and orthodontics.
Think about the services you use most, such as dental check-ups, physio sessions, or specialist consultations – you might want cover for these in your extras.
Premiums vary based on level of cover, age, and income. Choose a policy that offers you value for money while meeting your healthcare expectations.
Check if any waiting periods apply, especially if you’re switching funds or upgrading your cover.
At insurance.com.au, we make it simple to find private health insurance by partnering with nib to offer comprehensive health insurance solutions and benefits.
Explore your options for private health insurance today to protect your health, your family, and your future. Learn more today.
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