How health insurance helps you get treatment when you need it
Compare the Market Australia’s Head of Health Insurance, Lana Hambilton, explains how health insurance helps Australians take control of their healthcare.
“A private hospital insurance policy can give you greater choice in terms of how and when you will be treated. You can decide which hospital you go to and be treated by an available doctor of your choice. Perhaps more importantly, you can avoid the public waiting list by going to a private hospital, which can significantly cut down the length of time you wait before you get treated.”
However, there are a few things to be aware of, as Ms Hambilton adds that it’s crucial to check what’s included on your policy and regularly review these inclusions as your health needs change.
“Your policy will only pay a benefit towards the treatments included, which will vary depending on the level of cover. For treatments that aren’t included on your policy – you’ll either have to pay that cost yourself if you go privately, or go through Australia’s public system. Alternatively, you can upgrade your health insurance policy at any time however, you may need to serve a waiting period of up to 12 months before claiming on those additional hospital services” Hambilton explains.