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Making Private Health Insurance A Priority

While the Medicare public healthcare system is often a service many people look to in emergencies or times when finances are low, it is always recommended that Australians purchase private health insurance if they can afford it.

There are numerous reasons as to why a person should look at purchasing a membership with a private health insurer, but many rarely understand them. Here we discover the basics of private health insurance and why it is indeed so important for Australians to have this cover.

Choice of providers While most medical professionals administer treatment, there are often specific doctors, namely surgeons and specialists that are simply not available to those on the public healthcare system. Becoming ill can be a distressing and emotional time and by having private health insurance and being able to choose your treatment provider, it will take away some of the associated stress.

Choice of hospitals Many private healthcare system doctors will often work out of a few different locations and this means that private health insurance holders are able to select the facility that best suits them. While public hospitals are of a high standard in comparison to other countries treatment centres, they are often crowded and locations are limited to centralised areas.
Making Private Health Insurance A Priority


Faster treatment In the public system, emergencies are always given priority over other treatments. While many other patients' needs are often important, they can be pushed back if the available doctors are called away to an emergency. When taking out private health insurance, patients have access to doctors that are not in this system and ultimately don't have to deal with as many emergencies (as the crisis will undoubtedly be diverted to the public hospitals). Because of this, treatment is far easier to gain in a timelier manner.

All the extras Private health insurance isn't just for hospital visits. Many levels of cover also include "extras". The types of services that are often covered by extras are optometry, dentistry, chiropractic and some natural therapies. Much of these are known as "preventative treatment". This term is used because it allows patients to go to these medical providers and seek treatment that could worsen should they leave a problem or illness go. For example, if you visit a dentist to have a cavity filled, this is known as a preventative treatment. If the patient was to leave this cavity, it could become infected and cause all manner of problems for the patient down the track.

by: Ralph Gray




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