Private health insurance simpler and cheaper for everyday Australians11 October 2018
New rules announced today will make private health insurance easier to understand and help Australians choose the cover that best suits them and their families from 1 April, 2019. The rules establish easy to understand clinical categories and a Gold, Silver, Bronze and Basic classification system. This is a no surprises approach that…
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New comparison service HealthInsuranceComparison.com.au is shaking up the health insurance industry by offering consumers the power to compare big brand health insurance policies side by side, saving them time and money as they make informed choices about their family’s private health cover.
Using the service, Australians can compare multiple health insurance brands, cover options and pricing all in the one place. The service saves time, but the biggest benefit for most are the dollar savings. The comparison service shows you upfront who has the best health insurance deal and how that deal compares to other policies on the market.
Here’s How You Do It:
Step 1: Select your current life stage below.
Step 2: Once you select your preferred coverage options, you will have the opportunity to compare quotes from multiple health funds.
Get Started Now:
Step 1: Select your state below.
Step 2: After answering a few questions, you will have the opportunity to compare quotes in your area and could be eligible for significant savings.
It’s all personalised too. When you first arrive at HealthInsuranceComparison.com.au you’ll be asked for some basic details like your family type and home state. The system then searches its database of policies to show you the very best of what’s on offer, targeted to your needs and comparing policies side by side so you can make the very best choice.
Prefer to talk? Phone 1300 384 472
Last Updated on 3 April 2018
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Going to hospital and planning an admission?
• If you are expecting a hospital admission, which hospital are you attending and does the hospital have an agreement with your fund? If not, how much extra will it cost to attend the hospital?
Private Health Insurance – How it Works.
Watch the Videos:
An Introduction to PrivateHealth.gov.au
Comparing Health Insurance policies
Your Health Care Choices
Useful information:
http://www.privatehealth.gov.au/healthinsurance/howitworks/
http://www.privatehealth.gov.au/faq/glossary.htm#HealthAids
Comparing Health Insurance Policies:
http://www.privatehealth.gov.au/dynamic/compare.aspx
Hospital cover
Hospital policies help cover the cost of in-hospital treatment by your doctor and hospital costs such as accommodation and theatre fees. Generally, any medical services listed under the Medicare Benefits Schedule (MBS) can be covered on some form of private hospital insurance. Some services which are not listed on the MBS, such as elective cosmetic surgery or laser eye surgery, are only covered by private hospital insurance to a limited extent or not at all.
Hospital policies fall into four general categories. The classifications are based on the services that are shown as covered, excluded or restricted on standard information statements.
The classifications do not take into account Hospital treatment for which Medicare pays no benefit (e.g. most cosmetic surgery or other services with are not listed on standard information statements); and do not take into account whether a policy includes an Excess and/or Co-payment or benefit limitation period.
For explanations of the medical terms used in the Standard Information Statements, you can refer to the Glossary
Combined cover
Many health funds offer packaged policies that provide cover for both hospital and general treatment services. Some funds have pre-packaged policies, while others allow you to mix and match hospital and general treatment options. For example, you may be able to select a basic hospital cover and a comprehensive general treatment policy to create your own combined package.
This is a Very well laid out Website. Much useful information to help you make that all important decision of your own, and your families, health insurance.
======================================
https://www.hcf.com.au/preparing-for-hospital - click on your area of interest
Here you’ll find the answers to many of your questions.
Learn more about the procedures, e.g.
Under hip replacement - learn about prostheses, how the surgery works, what it may cost, what your recovery may be like, and more.
To see how the surgery is done, view their procedure animation.
For personal insights, see their patient experience videos in which HCF members talk frankly about their preparation, surgery and recovery.
and
PREPARING FOR HOSPITAL
Phone 13 13 34
2018
Forms and Brochures: Most comprehensive list
https://www.hcf.com.au/forms-and-brochures
FAQ’s:
http://www.hcf.com.au/faqs/
New rules announced today will make private health insurance easier to understand and help Australians choose the cover that best suits them and their families from 1 April, 2019. The rules establish easy to understand clinical categories and a Gold, Silver, Bronze and Basic classification system. This is a no surprises approach that…
- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
New comparison service HealthInsuranceComparison.com.au is shaking up the health insurance industry by offering consumers the power to compare big brand health insurance policies side by side, saving them time and money as they make informed choices about their family’s private health cover.
Using the service, Australians can compare multiple health insurance brands, cover options and pricing all in the one place. The service saves time, but the biggest benefit for most are the dollar savings. The comparison service shows you upfront who has the best health insurance deal and how that deal compares to other policies on the market.
Here’s How You Do It:
Step 1: Select your current life stage below.
Step 2: Once you select your preferred coverage options, you will have the opportunity to compare quotes from multiple health funds.
Get Started Now:
Step 1: Select your state below.
Step 2: After answering a few questions, you will have the opportunity to compare quotes in your area and could be eligible for significant savings.
It’s all personalised too. When you first arrive at HealthInsuranceComparison.com.au you’ll be asked for some basic details like your family type and home state. The system then searches its database of policies to show you the very best of what’s on offer, targeted to your needs and comparing policies side by side so you can make the very best choice.
Prefer to talk? Phone 1300 384 472
Last Updated on 3 April 2018
-----------------------------------------
Going to hospital and planning an admission?
• If you are expecting a hospital admission, which hospital are you attending and does the hospital have an agreement with your fund? If not, how much extra will it cost to attend the hospital?
Private Health Insurance – How it Works.
Watch the Videos:
An Introduction to PrivateHealth.gov.au
Comparing Health Insurance policies
Your Health Care Choices
Useful information:
http://www.privatehealth.gov.au/healthinsurance/howitworks/
http://www.privatehealth.gov.au/faq/glossary.htm#HealthAids
Comparing Health Insurance Policies:
http://www.privatehealth.gov.au/dynamic/compare.aspx
Hospital cover
Hospital policies help cover the cost of in-hospital treatment by your doctor and hospital costs such as accommodation and theatre fees. Generally, any medical services listed under the Medicare Benefits Schedule (MBS) can be covered on some form of private hospital insurance. Some services which are not listed on the MBS, such as elective cosmetic surgery or laser eye surgery, are only covered by private hospital insurance to a limited extent or not at all.
Hospital policies fall into four general categories. The classifications are based on the services that are shown as covered, excluded or restricted on standard information statements.
- Top Private Hospital Cover - must cover all services where Medicare pays a benefit;
- Medium Private Hospital Cover - excludes or restricts one or more of the following but includes any services in the basic classification: Pregnancy and birth related services, Assisted reproductive services, Cataract and eye lens procedures, Joint replacements i.e. shoulder, knee, hip and elbow including revisions, Hip and knee replacements, Hip replacements, Dialysis for chronic renal failure and Sterilisation.
- Basic Private Hospital Cover - excludes or restricts one or more of the following: Cardiac and cardiac related services, Non-cosmetic plastic surgery, Rehabilitation, Psychiatric services, Palliative care;
- Public Hospital Cover - covers minimum benefits for treatment in public hospital only. Public hospital waiting lists still apply.
The classifications do not take into account Hospital treatment for which Medicare pays no benefit (e.g. most cosmetic surgery or other services with are not listed on standard information statements); and do not take into account whether a policy includes an Excess and/or Co-payment or benefit limitation period.
For explanations of the medical terms used in the Standard Information Statements, you can refer to the Glossary
Combined cover
Many health funds offer packaged policies that provide cover for both hospital and general treatment services. Some funds have pre-packaged policies, while others allow you to mix and match hospital and general treatment options. For example, you may be able to select a basic hospital cover and a comprehensive general treatment policy to create your own combined package.
This is a Very well laid out Website. Much useful information to help you make that all important decision of your own, and your families, health insurance.
======================================
https://www.hcf.com.au/preparing-for-hospital - click on your area of interest
Here you’ll find the answers to many of your questions.
Learn more about the procedures, e.g.
Under hip replacement - learn about prostheses, how the surgery works, what it may cost, what your recovery may be like, and more.
To see how the surgery is done, view their procedure animation.
For personal insights, see their patient experience videos in which HCF members talk frankly about their preparation, surgery and recovery.
and
PREPARING FOR HOSPITAL
- Going into hospital can be a source of anxiety. Understanding your procedure can provide peace of mind.
- Select a procedure to learn how it works, how to prepare, what to expect in hospital, and what aftercare you may need.
- To see how it's done, view the procedure animation.
- To get an idea of cost, and the difference your choice of doctor and hospital can make, use our cost indicator tool.
- This is not a quote. It shows average costs for services based on HCF data and should be used as a guide only.
- Certain doctors' fees may vary significantly from the average therefore you should ask your doctor about their fees before commencing treatment.
- Please ensure your product covers the procedure and you have served the relevant waiting periods. Benefits may not be available in the first 12 months of cover if the procedure relates to a pre-existing condition.
Phone 13 13 34
2018
Forms and Brochures: Most comprehensive list
https://www.hcf.com.au/forms-and-brochures
FAQ’s:
http://www.hcf.com.au/faqs/