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Health insurance is a product that can help pay for the cost of your treatment as a private hospital patient, or for out-of-hospital healthcare services. Medicare covers 75% of your Medicare Benefits Schedule (MBS) fee for treatment as a private patient, while health insurance covers 25%. The amount that insurance covers for out-of-hospital treatment will vary per policy.
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Private hospital cover helps you pay the cost of in-hospital treatment. It can cover anything from surgical procedures to childbirth.
Extras cover helps pay for out-of-hospital medical care. For example, it may pay for a new pair of glasses, or a physiotherapist appointment.
A combined health insurance policy includes hospital & extras cover. It can subsidise a wide range of your expenses both in and out of hospital.
Getting covered for dental treatment is crucial for many Australians, as the expense can quickly grow if you require major orthodontic work. Luckily, many health insurance policies cover the cost of major and minor dental work.
Physiotherapy consultations and treatment plans can assist with recovery from an injury. When you need this kind of support, health insurance can help subsidise these costs.
An extras policy helps pay for important health services that many Australians rely on every day; such as nutritionist consultations, skin cancer screenings and even gym memberships.
Obstetrics cover is a common benefit found in private hospital policies. If you wish to deliver your child as a private patient, this type of insurance can help new mums.
Optical treatment is covered by both hospital & extras policies. Depending on your needs, you could be insured for check-ups, laser eye surgery and more.
“Ambulance Insurance” covers the cost of both treatment by emergency services and transportation in an ambulance. Depending on where you live, costs may be covered by your state government.
Chiropractors treat musculoskeletal issues, with many Australians utilising their service every year. You can partially offset these costs by taking out cover.
A waiting period is the amount of time you’ll wait before you’re able to claim private health insurance benefits. These can range from a couple of months to several years.
Visitors who holiday or work in Australia for an extended period of time are obligated to take out health insurance, given that they typically do not qualify for Medicare.
LHC loading encourages Aussies to take out private hospital cover early in life – specifically, by the age of 31.
The MLS is a surcharge, imposed by the government of up to 1.5% levied on the taxable income of higher income earners who do not hold private hospital cover.
This rebate can give back up to 34.58% of your health insurance premiums, depending on your age and income.
