Private Health Insurance

A Transfer Certificate, also called a Clearance Certificate, is a document created by your health insurer that gives details of your health cover and membership. When you change to a new health insurer, a Transfer Certificate tells your new insurer your health insurance history so that it can work out your waiting periods, Lifetime Health...

A closed policy is a health insurance policy that is no longer available for new customers to buy but continues to provide cover for existing customers. Health insurers may close policies to new sales at any time at their own discretion. In some cases, an insurer may close all policies from a particular health insurance brand....

If you have both Hospital and Extras Cover with the same insurer, your insurer may process these as one combined policy or as 2 separate policies (also called ‘split policies’, ‘second policies’ or ‘standalone policies’ by some insurers). Some Hospital Cover policies can only be purchased with an Extras Cover policy, and some insurers offer Extras...

There are 3 scenarios when you may have to pay out-of-pocket fees for treatments outside of hospital: What are the out-of-pocket fees for medical tests outside hospital? If Medicare covers your diagnostic test outside a hospital, such as blood tests and radiology services, it will pay 85% of the Medicare Benefits Schedule (MBS) Fee. If the service provider...

No, you do not need to serve waiting periods again for Hospital Cover if you change insurers and take out a new policy at the same level of cover as your existing policy. However if you are changing to a higher tier of cover, waiting periods will apply for the new services and treatments (known...

No. You cannot add your parents to your health insurance policy. They will need their own private health insurance cover. 

The cost of health insurance depends on factors such as the insurer and your level of cover, and there is a wide variation in prices and inclusions, so it is important to look for the best-priced policy that suits your health needs. To do this, use the healthslips.com.au calculator to find your cheapest health insurance...

There are 2 incentives and one penalty provided by the government to encourage you to take out private health insurance.  The incentives for health insurance may reduce the price you ultimately pay. The incentives are: Government RebateAlso known as the Private Health Insurance Rebate, the Government Rebate reduces your health insurance premium. The Rebate is based on...