Why Have Private Health Cover?
...The answer is simple - it gives you the security, freedom, and control you want over taking care of your health needs.
Only private health insurance can give you the freedom and control to decide when, where, and by whom hospital and general treatment is provided for you and your family.
What Medicare Offers
Medicare offers you treatment in a public hospital and assigns you a doctor of their choice. Unless your condition is life threatening, as a Medicare patient you will wait your turn on the public hospital waiting list.
If you choose to be a self-insured private patient, Medicare pays a percentage of the schedule fees for private inpatient medical treatment such as provided by surgeons and anesthetists. As their fees can often be well above the scheduled fees, the resulting gap for you to pay can sometimes be quite large.
Finally, Medicare doesn't cover those "extras" which crop up in daily life such as dental, optical, and physio treatments.
So here's three reasons why having private health insurance pays off...
1. Having private health insurance offers you the benefits of private hospital treatment and accommodation with your own choice of doctor or specialist as soon as you require the treatment - shortened or no waiting lists.
2. The private health fund will also cover the 'Medical Gap' balance between the Medicare benefit and the Schedule fee for private patient in-hospital medical services.
3. Private health insurance general treatments cover helps take care of all those extras, such as;
- Dental
- Optical
- Pharmacy
- Ambulance
- Physiotherapy, chiropractic, naturopathy
and more.
... and with the recent Government initiatives, having Private Health Insurance allows you to:
- Gain the Federal Government Rebate
- Avoid Lifetime Health Cover penalties if you join hospital cover before 31
-
Avoid the Medicare Levy Surcharge for high income earners
It's security and peace of mind when it comes to the unexpected and necessary healthcare and the freedom to live your life with financial peace of mind.