Australians everywhere have access to excellent healthcare; not only can anyone utilise Medicare for treatment in the public system, but we can also take out health insurance to access the private system.
But everyone’s different, so let’s figure out which type of private cover is right for you. There are two main types of health insurance.
What is Hospital Cover?
Hospital insurance policies cover some (or all) of your treatment costs in private hospitals. Additionally, you’ll be able to stay in a private room (subject to availability), skip public waiting lists for treatment, and pick your own physician!
What is Extras Cover?
Extras policies typically cover healthcare treatments not covered by Medicare. If you just want to pay less for dental checkups, glasses, or even physiotherapy sessions, extras is the type of cover you’re after.
And, if you want a bit of both, you can take out a combined health insurance policy!
There’s plenty to learn about all three products, so you should take some time to do a bit of reading about the differences between each type of cover. Additionally, even if you take out the bare minimum of cover, everyone in Australia should consider an option with included Ambulance Cover, in case of emergencies.
If you want to run through your options with a health insurance expert, just give us a call. Or, if you’d rather assess your options online, try our comparison tool.