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Private Health Cover

Deluxe

By Deluxe,
in South Australia

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4door_Sleeper Veteran

4door_Sleeper

Posted
Posted

We pulled out of health insurance.

If you work it out the premium is based on the amount they expect to pay out (an average) plus a healthy profit margin. They assume you will pay more in than you get out. (if you are an averge healthy person)

If you dont have private insurance you can still go private, and medicare will still pay its normal rates (you will have a gap to pay)

Most of the really serious stuff is handeled by the public sector anyway. You can choose to have a baby in a private hospital, but if there are complications you will end up at the Womens and Childrens regardless.

In our case we had one child with private health in a private hospital and it cost us a small fortune in gaps. The second was public, cost us nothing, and the service was just as good (but I didnt get free meals)

My wife had to have a third knee reconstruction, so we saw the top guy in Adelaide (paid to go private due to her complications), had the opp inside 2 weeks and it cost us very little after medicare covered their component (around 2K from memory and much less than a years payments)

I would consider private if they didnt have gaps (I figure thats why i pay my premium) and gave me the choice to see who I like (not a minimul group of budget doctors and hospitals)

sinistaGTR Grand Master

sinistaGTR

Posted
Posted
Cheers guys, this is really helping me out........

Sure seems best to do it soon, as im 28 and single..........

And quite gay...so any hot men on the prowl daz number is 04.........

defence here so free medical and dental lol

THENIG Community Regular

THENIG

Posted
Posted

Don't use www.iselect.com.au if you are looking for singles cover, use the government website, iselect comes across as being unbiased but in fact the website is owned by like 5 of the big private health insurers, so you will conveniently always get direct into one of their products, which isn't always the best value for money. If you want minimum so you don't get charged the medicare levy thing try Cessnock private health, it doesn't matter if they aren't in your state and you don't deal with them face to face, they direct deposit your returns or send you a cheque. Around $50 after rebate gets you ambulance and lots of other things that you don't get with the other big ones. compare them on the government website you will see that i mean.

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