Taking out private health insurance can make all the difference to how quickly, where and who will provide treatment should you become sick or injured. That’s really comforting to know that you can receive prompt medical attention, with your choice of doctor and hospital. No one likes having to go to hospital but the sooner you get your health back the better and that’s the real benefit of having private health insurance.
To help you decide on the right health insurance cover, you need to consider your current and future health needs. Why current and future health needs? Simply because your health requirements change as you get older, and so you will need to review and update your health insurance policy to ensure you’re fully covered.
Reviewing your health insurance policy is a good idea, especially if you’ve had the same policy from a young age. You might find that your existing health insurance policy no longer fits your circumstances and you’ll want to upgrade your cover to include extra medical services or change your policy that’s better suited to your current situation.
Most health insurance policies will meet the needs of people in the following categories:
• Young and single
For people aged 18 to 35 years old and are single with no dependents.• Young couples
For young couples aged 25 to 40 without children.• Families with children
For people aged 25 to 45 who have children or want to have children in the future.• Mature singles/couples
For people aged over 40 and are mindful of their health and want to be covered for the unexpected.
Another thing to consider when reviewing or taking out health insurance is the type of cover you want. Again most health insurance providers give you the following options:
• Hospital
This will cover the cost for ambulance transportation to hospital, your medical treatment and recovery time spent in the hospital.• Extras
This includes medical services performed outside a hospital such as, optical, dental, chiropractic, physiotherapy and other alternative treatments plus ambulance transport.• Hospital & Extras
Hospital and extras provides total health insurance cover for both hospital and extra medical services.
Determining which of the above categories best fits your situation and the type of cover you want will help you find the health fund provider that offers a health insurance policy matched to your needs.
Let Health Insurance Cover help take the guesswork out of buying your health insurance.
