Private Health Insurance

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...

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...

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 Rebate Also known as the Private Health Insurance Rebate, the Government Rebate reduces your health insurance premium. The Rebate...

These are the factors which do not impact on your health insurance premium and the price you will ultimately pay:   Your age does not affect your health insurance premium. However your age may make you eligible for an Age-based Discount, which will reduce the price you pay for your policy if you are under 30,...

These are the factors which impact your health insurance price you will ultimately pay.  You will pay more for a policy that covers 2 or more adults than you would for a policy that only covers you. However you have the option to stay on your own policy even if you are in a relationship...