Health Insurance In Aus. Digging Down To Find The Info That Will Help
Many Australians agree with the saying that Australia is the lucky country
. This can be because of the weather, great natural resources, wide open spaces and generally high standards of living. And to all of those qualities you can add national health cover. All Australians, regardless of wealth, are entitled to access to Australias public hospitals. For those who want to pay for certain benefits, health insurance in Australia has many providers and even more policies.Private health cover or health insurance for which an individual pays is so widespread even the federal government operates an insurance business in the health field.
But why would anyone pay for health cover when the government provides the service for free? Well actually its not free in that wage and salary earners pay a small percentage of their income which goes towards funding the national health service.
Are there benefits with private health insurance?
There are different reasons why private health insurance is a good option. The first is choice. Under the public hospital system, any patient joins the queue and if your need is considered to be non-life-threatening then your wait for admission can go on and on. Some people have been known to have their admission date cancelled not once but several times. This situation rarely happens to a patient with private health insurance cover.
Then there is the issue of choice. In a public hospital the medical staff members are all professionals but if you want a particular surgeon to operate on you then in a public hospital you take pot luck. With private health insurance you can select the medical provider of your choice. Is that important? Well to millions who choose to have private cover it obviously is.
The third important issue concerns extras. Here we refer to dentistry, physiotherapy and eye care as just three examples. The government in Australia offers nothing free in certain areas and only people with private health cover can obtain some or all of their costs from extra services. There is a no-fee government dental service for people with limited incomes but the waiting list can be a real headache for those with a real toothache.
But can I afford it?
Like other types of insurance cover there exists in health insurance the chance to choose the type of cover you want. As a young, fit and healthy person you may not see the need for a full refund on such things as physio and glasses. As a senior, such services may be essential to your aging body. Health insurance providers offer a range of policies and you should choose the one which best suits your needs. As with all policies the amount of premium equates to the amount of benefits. Choose wisely and stay well.
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