For your life stage
Whether you’re young and carefree, or retired and enjoying the extra time you deserve, there are clear benefits to having private health cover on your side.
It’s easy to see why you might not think about private cover when you’re young, but there are plenty of situations where having this safeguard can help you reduce the expenses associated with things like physiotherapy, dental and prescription eyewear.
Factoring in the appropriate extras when planning a family can help out enormously for expecting mums for costs like pre-natal classes, private hospital stays, doctors and obstetric care during labour.
Importantly, anyone approaching 30 should be mindful that under the government’s Lifetime Health Care program, the loading on the hospital premium base rate premium for insurance increases by 2% each year. By getting in early you can lock in the lowest rate for life, provided you remain insured.
Families stand to benefit the most from being private insured, as any number of things can happen to you or your loved ones unexpectedly. So it pays to choose wisely and cover accordingly.
Life has its ways of throwing curve balls, no matter your age. Mature citizens can benefit from the fact that even with a pre-existing condition, they can still get private cover relating to the condition, and can make claims after the relevant waiting period.