Breathe. The health insurance reforms have started to come into effect from 1 April 2019, and there’s a chance your health insurance policy has changed (or will in the future). Without boring you with details, we thought we’d cut through all the gibberish and get straight to what matters most – you.
In this checklist, we’ll give you a step-by-step guide of what to do next to keep your sanity intact, ensure your health cover is up to date and get the best bang for your buck.
So, let’s get stuck into it.
Whether you received it recently, or it’s yet to come, this letter should outline all of the changes that may or may not apply to you.
For example, it should touch on the new hospital policy cover tiers (Basic, Basic Plus, Bronze, Bronze Plus, Silver, Silver Plus and Gold), or the removal of natural therapies, like Pilates and Reflexology, from your extras cover.
Sometimes change is good. Other times, it’s annoying. In this case, we believe it’ll make a world of difference for finding the health insurance policy that suits your healthcare needs without ruining your plans for that much-needed holiday. Instead of getting angry, get even, and keep reading this list (trust us, it’ll help).
Congratulations, you’ve reached the point of no return, so you may as well keep moving forward. Now it’s time to read the Product Disclosure Statement (PDS) of your hospital cover or extras cover to review what you’re currently covered for and the premium you’re paying now, especially since premiums changed on 1 April 2019. That’s why Step 5 is so important.
This is also a good time to consider cover for things down the track. For instance, are you about to start a family or are your joints giving you grief? Depending on what life stage your health premium is at, it’s a good idea to review which benefits are important to you.
You’ll be surprised by how easy it is to figure out which healthcare services and treatment you need from talking to your family and friends. To get the ball rolling, why not ask your loved ones how much they pay for health insurance? Simple questions like these will help you figure out what you or your family might need to consider as well.
Still unsure? Chat to a healthcare professional about your lifestyle, medical conditions or if your circumstances are changing.
Save time, avoid confusion and simply come to us.
We get it, you’re a busy person and don’t have time to sift through paperwork. Don’t stress! Instead, talk to one of our experts and we’ll take care of it for you.
Not a big talker? That’s absolutely fine. Jump online instead and compare a range of policies side-by-side using our free health insurance comparison service. It only takes minutes!
Whether you’re thinking about taking out health insurance for the first time or you believe your current level of cover no longer matches your needs, there are many ways you can get the most out of a health cover review. As such, we recommend the following tips.
In theory, health insurance is a fairly straightforward product; you pay for cover suited to your overall wellbeing, lifestyle and budget. However, in practice, shopping for health insurance can be overwhelming, particularly as you want peace of mind knowing you’re getting the most value from your purchase.
According to a 2017 IPSOS survey, three out of four Aussies don’t switch health insurance because it’s too confusing. Why not eliminate the fear of getting it wrong and call one of our helpful experts today? Remember, the more you delay, the more you could be missing out.
