Health Insurance

Health insurance pays for non-acute treatment in a Private Hospital. A non-acute condition is any condition that does not require immediate treatment. The public health system should always provide immediate treatment for urgent, critical treatment; however if your operation is non-urgent/non life threatening, you may wait up to 12 months or more for surgery in the Public health system. With health insurance, you choose when and where you want your surgery.
 

What does a health insurance policy cover?

Health insurance policies are like building blocks. You start with the ‘Base plan’ and from there you can add ‘Additional Specialists, Tests and Major Diagnostics' to your health insurance policy. If you also want your health insurance to cover you for everyday expenses like GP visits, prescriptions, dental and optical, these can be added. Each additional benefit attracts an additional premium.

The ‘Base’ plan of health insurance generally covers:

• Surgical and non-surgical admissions to a private hospital
• Associated Specialists, tests and diagnostics within 6 months of surgery are also covered by the health insurance ‘base’ plan
• Post-operative Home Nursing
• Support person accommodation and transfer costs are usually covered by the ‘base’ plan of health insurance
• Public Hospital ‘cash grant’ is included in a health insurance policy
• Overseas treatment and Overseas waiting list benefits are covered under some health insurance policies
• Hospice Cover
• Funeral benefit is payable under the ‘base’ plan of a health insurance policy

Add to the Base plan the Additional Specialists, Tests and Major Diagnostics Benefit:

By adding this benefit to the ‘base’ plan of a health insurance policy, you are covered for Specialist consultations that have been referred by a registered GP. These consultations do not have to relate to admission to Hospital.

Further benefits can be added to a health insurance policy for an additional cost. These benefits include:

• GP visits
• Prescriptions
• Optical and Dental