Hospital Insurance Australia
With the type of hospital insurance cover we offer, you have the right to select your own healthcare provider and decide whether to be treated at a private or public hospital that your healthcare provider recommends. How good is that? Now let’s take a deeper look at what hospital insurance is.
What Is Hospital Insurance?
A hospital insurance policy covers a large share of your in-patient hospital bills such as medicine, accommodation, theatre fees, and doctor’s fees. You have the right to be admitted to both public and private hospitals across Australia with our hospital insurance policy. We have another type of health insurance known as extras cover – which may include general treatment costs such as optical, dental, chiropractic, and physiotherapy. In fact, we offer a mix of hospital and extras insurance cover under a combination policy.
Why You Need To Consider Hospital Insurance?
The most important factor to consider with hospital insurance is the peace of mind that comes with such a policy. Even though we may have the best stamina in our youth, our health needs change with time. Although there is a strong public healthcare system in Australia, Medicare has its own limitations. That is where hospital insurance comes in handy. Such a policy will let you choose your preferred healthcare provider as well as avoid waiting lists. On the other hand, a good hospital insurance will act as a financial safety net and protects you from unexpected medical bills over time. If you want peace of mind knowing that you are financially secure no matter what medical emergency arises in the future – you should definitely call one of our health insurance specialists to choose the best hospital insurance cover for your family.
Hospital insurance comes with so many advantages. Buying hospital insurance can save you a lot of stress and headaches in the long run. Here are some of the many advantages of private health insurance.
. Avoid the waiting lists in public healthcare institutions
. Choose your preferred doctor or surgeon for your treatment
. Avoid the Medicare Levy Surcharge
. Claim the rebate for private health insurance
. Stay in a private room or a public hospital room depending on your personal preferences
. Claim money back on non-Medicare healthcare services
. Dental and optical covers
. Save long-term on Lifetime Health Cover
The public healthcare system in Australia is generally covered by the Government Medicare Scheme for most residents in the country. Even though Medicare subsidises a number of medical treatments in the country, the waiting time can be quite long for some of the treatments. That is where private health insurance becomes a viable option. These policies can reduce your waiting time for getting the appropriate treatment for your condition. These policies will also cover specialised treatments such as optometry, dental, and physiotherapy.
What Isn’t Included Under Hospital Insurance?
The treatments that are not included under hospital insurance cover may depend on your health fund and the level of cover. You may choose to include or exclude any service depending on your current health condition. The policy you buy will have some limitations on hospital treatments such as:
Restrictions – Services that are usually covered to a limited extent – where you may have a greater out of pocket expense.
Exclusions – Specific services that are not covered at all in the policy.
Long Stay Patients – If you have to stay in a hospital for more than 35 days at a stretch, you will be considered a long stay patient. This means you have to pay more for hospital accommodation after the initial period.
Single Or Shared Rooms – Some insurance policies will cover the full cost of a shared room, but not a single room. This limitation could apply in a private hospital, public hospital, or both. However, it may also depend on the type of your insurance policy.
The best thing is to speak to one of our hospital insurance specialists so you can discuss what is included and what isn’t included under hospital insurance.
Why Choose Us?
Choosing the right hospital insurance provider in Australia isn’t an easy task with a host of companies operating throughout the country. For an obligation-free, competitive quote, professional insurance advice or more information on how we can help you find the best Hospital Insurance solution, please contact one of our expert consultants today!