How to find the ideal Australian Hospital Cover?
Comparing Health Insurance Hospital Cover
What Is Private Hospital Cover?
How Many Levels of Hospital Cover Can I Choose From?
When you opt for private hospital cover, you can be assured that you will receive benefits towards your hospital treatment as a private patient in a private or public hospital, for the categories included in your policy. This includes hospital costs like your accommodation, theatre fees, and approved prostheses.
When it comes to selecting hospital cover in Australia, there are typically multiple levels of cover to choose from. Hospital cover in Australia is usually divided into four tiers; as you move up the levels, you can expect more comprehensive coverage across a wider range of clinical categories. However, before committing to a policy, you need to carefully review each level of cover to ensure that you’re selecting a policy that suits your individual needs
How Many Levels of Hospital Cover Can I Choose From?
When you opt for private hospital cover, you can be assured that you will receive benefits towards your hospital treatment as a private patient in a private or public hospital, for the categories included in your policy. This includes hospital costs like your accommodation, theatre fees, and approved prostheses.
When it comes to selecting hospital cover in Australia, there are typically multiple levels of cover to choose from. Hospital cover in Australia is usually divided into four tiers; as you move up the levels, you can expect more comprehensive coverage across a wider range of clinical categories. However, before committing to a policy, you need to carefully review each level of cover to ensure that you’re selecting a policy that suits your individual needs
How Does Private Hospital CoverWork?
How Does Private Hospital Cover Work?
Don’t forget, you don’t have to re-serve waiting periods when switching from another health fund where that clinical category is already covered and waiting periods are already served. This is health insurance law and all funds abide by it.
Are there any out of pocket expenses?
The MBS fee refers to the price for medical treatments that have been set by the government. However, private hospitals and doctors may charge more than this fee, which means you might have to pay the gap as an out-of-pocket expense. Some hospitals may have an agreement with your health fund, which could lower the gap you need to pay or eliminate it altogether. Before getting any treatment, always check with your health fund and doctors if you need to pay extra money.
What is excluded from hospital cover?
Other than that, the treatments covered by your policy will also depend on your tier level. For example, if you have a Silver policy, you won’t be able to claim weight loss surgery or any birth-related services, as these services aren’t part of the minimum requirements for the Silver tier.
Finally, it’s important to understand that your private health fund needs to have a contract in place with the private hospital where your surgery is booked. If the private hospital you wish to visit doesn’t have a participating agreement with your health insurance provider, you will incur significant out-of-pocket expenses
What are the financial benefits of private hospital cover?
Comparing Private Hospital Policies in Australia with Fair Health Care
We understand that everyone has unique health needs and budget considerations; that’s why our team of advisors is here to offer personalised solutions tailored to your individual requirements. Trust Fair Health Care to help you find a policy that fits your needs and budget so you can enjoy peace of mind knowing you have the coverage you need.
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