Jump to content

Private Health Insurance
Dumb question, probably.


  • Please log in to reply
20 replies to this topic

#1 Feral_Pooks

Posted 28 December 2012 - 06:56 AM

When I look online at private health, they ask if it's single, couple, family, etc. I just want to cover myself for now. So do I take out single cover? Because the single cover doesn't seem to cover everything I want.

Sorry, this is probably a dumb question. I have never had anything to do with this stuff before.

#2 FeralSis

Posted 28 December 2012 - 07:08 AM

Yes, single cover will cover just one person.

You should be able to take out a top or higher level cover type policy with a high level of cover regardless of whether you want single or family cover.

Which companies and policies are you looking at?

#3 Tarantara

Posted 28 December 2012 - 07:09 AM

This might help - http://www.health.gov.au/internet/main/pub...ealth-whatisPHI

The health insurance sites aren't that helpful as they seem to emphasise the lowest possible cost for their premiums. You might also like to talk to a broker for advice.

#4 Feral_Pooks

Posted 28 December 2012 - 07:13 AM

Thanks ladies. Ok, I get what youu mean SensibleSis, I think I can find appropriate single cover. Far out, it is expensive.

Are those "iselect" type places worth looking at?

#5 FeralSis

Posted 28 December 2012 - 07:20 AM

iselect do not offer policies from all insurers as they must pay a commission to iselect.

I am with a smaller insurer that is not on iselect.

Take a look at www.privatehealth.gov.au - this is the government website that allows for easier comparison between insurers and policies.

Good luck! It can be very complicated!

#6 Maple Leaf

Posted 28 December 2012 - 05:58 PM

Yes you would be looking at single cover.


#7 d├ęsir d'amour

Posted 28 December 2012 - 06:16 PM

Dh works in phi.  Whatever you do, go into a store for service.  They can give you far more accurate advice than the phone staff, more often than not. They will often also have the authority to waive things and do funky stuff that phone staff dont have.

Dh hates the phone staff from his company -the number of basic mistakes they make is appalling

#8 Peanut212

Posted 28 December 2012 - 06:25 PM

If you look at the private health insurance ombudsman website it'll have policies for all health funds (not just some like I select)

If you look at the private health insurance ombudsman website it'll have policies for all health funds (not just some like I select)

#9 jayskette

Posted 28 December 2012 - 06:26 PM

FYI couples cover is for 2 people with the SAME level of cover, so I went with a single one for myself and a single one for DH (because he doesnt need pregnancy or extras) and that ended up much cheaper.

#10 CallMeFeral

Posted 28 December 2012 - 06:37 PM

QUOTE (NapCat @ 28/12/2012, 07:16 PM) <{POST_SNAPBACK}>
Dh works in phi.  Whatever you do, go into a store for service.  They can give you far more accurate advice than the phone staff, more often than not. They will often also have the authority to waive things and do funky stuff that phone staff dont have.

Dh hates the phone staff from his company -the number of basic mistakes they make is appalling


This must depend on the company I imagine. I was phone staff for NIB in my 'youth' and we were, if I do say it myself, excellent.
That said, we were on the 'helpline' area where existing members would call - we had a lot of problems with the sales area who would say whatever it took to get you to sign up (or occasionally take details and sign you up without permission).

But I don't think you can generalise that phone staff, in general, are bad. The team I worked in were excellent.

#11 whale-woman

Posted 28 December 2012 - 06:47 PM

QUOTE (jayskette @ 28/12/2012, 07:26 PM) <{POST_SNAPBACK}>
FYI couples cover is for 2 people with the SAME level of cover, so I went with a single one for myself and a single one for DH (because he doesnt need pregnancy or extras) and that ended up much cheaper.


But beware that it may not cover a baby when it's born for congenital problems. We had to have couples insurance to get that sort of cover for bub. But bub was covered for other stuff though... Check your fine print esp if you are TTC.

Edited by whale-woman, 28 December 2012 - 06:49 PM.


#12 jayskette

Posted 28 December 2012 - 07:03 PM

QUOTE (whale-woman @ 28/12/2012, 07:47 PM) <{POST_SNAPBACK}>
But beware that it may not cover a baby when it's born for congenital problems. We had to have couples insurance to get that sort of cover for bub. But bub was covered for other stuff though... Check your fine print esp if you are TTC.


My PHI said that 6-3 months before the baby is born that's the best time to combine into a family cover, and family cover will cover for pregnancy/baby complications, otherwise there's always "single parent" cover for mum and child.

#13 Feral_Pooks

Posted 28 December 2012 - 07:03 PM

Thank you.

We are not looking to cover DP or DS, just me as I have specific health issues I am looking to give myself more flexibility with future treatment (endometriosis, HG pregnancy and side effects of both, also future pregnancy). The public system has let me down so much.

Does anyone have an opinion on whether extras cover is worth it? I have a fair bit of dental damage from the HG but can't afford to do much about it, especially if a future pregnancy does the same damage again.

Also would private health help cover things like lactation consultants and independent midwives, or am I dreaming?

#14 elmo_mum

Posted 28 December 2012 - 07:10 PM

be fair warned that anything that can be deemed pre existing ie/ you have been treated for it before, as some wont cover you!!!!!

lc and midis are NOT covered!!!!!!

i have extras, but i was a sports person, and still need physio....dental and optical!

#15 MrsShine

Posted 28 December 2012 - 07:11 PM

Agree about getting specific advice, I upped my basic single PHI earlier in the year to cover pregnancy etc. I used iselect and the other main compare site (can't remember the name) and was shocked at the price. It was literally going to be doule what I had been paying.

I decided I couldn't afford it but then an iselect consultant called me, you have to put your details in when you compare and she rang just to see how I was going with my decision. I told her I wasn't going to bother as it was too expensive but then she spent about 40mins with me customising a quote that included top hospital, obstetrics, pregnancy, dental, chiro etc. but got rid of a heap of things I didn't want which I couldn't do on any of the sites myself. I ended up paying less for the higher cover I wanted than I had been paying for basic cover!

P.S I'm now with HCF and have visited their own dental clinics twice this year for FREE! original.gif

#16 Feral_Pooks

Posted 28 December 2012 - 07:21 PM

Interesting Mrs Shine!

#17 SnazzyFeral

Posted 28 December 2012 - 08:07 PM

smile.com.au is good for getting cheaper dental treatments. You pay a set fee for a years membership and then use dentists that are in the club. It cost us as a family $150 and has already saved us about $250 this year. Just putting it out there for people who can afford dental cover but need work done.

#18 Kalota

Posted 29 December 2012 - 07:32 AM

Singles is one person, I have singles cover at the moment which is just myself original.gif What kind of cover are you after, OP?

I've got mid-range hospital cover which is basic hospital cover PLUS a whole range of pregnancy/obstetrics cover with my particular health fund.

I tossed up whether to get extras or not (dental and optical, as I do use these services) however in the end I deemed it not worth it given the price for a single person's cover!

#19 Futureself

Posted 29 December 2012 - 07:43 AM

[quote name='elmo_mum' date='28/12/2012, 08:10 PM' post='15189665'

lc and midis are NOT covered!!!!!!
[/quote]
My LC is covered - she has a provider number so I could claim under ante/post natal services and get up to $150 back. Depends on the LC perhaps?

#20 jemsoli

Posted 29 December 2012 - 08:10 AM

if you are planning a pregnancy then you also need to ask about whether the baby will be covered when it is born too.

when i was pregnant with DD1 i had singles cover (with obstetrics) with HCF and i was told i needed to add "baby pending" to my policy 3 months before my due date which would have been a cost of $60 a month. so she would have been covered by my policy when she was born.

i called around and ended up switching to medibank as baby was covered under my policy as soon as she was born.

when i got my stuff together a few weeks after she was born i combined DF and my policies into a family policy.

so yeah, i would be checking about how baby will be covered (if they need to be in special care or anything) after they are born. cos having a baby not covered by PHI in a private hospital is freaking expensive - lol, so i have heard anyway.

#21 whale-woman

Posted 29 December 2012 - 08:23 AM

We have extras and find it worthwhile esp as we seem to use the major dental stuff... Root canals/dental implant You don't get much back (at our dentist anyway) but enough to make to financially viable. This situation might change when we use up our major dental limits.

The thing  is with insurance, you never get anything for free, someone with the insurance product is paying for it. So for all the people, like me who are getting more out of extras, there are a bunch of people who are paying more than the recoup for it. The trick is working out which group you'll be in, or accepting that it's bought for peace of mind, in case you need it.




1 user(s) are reading this topic

0 members, 1 guests, 0 anonymous users

 

Win $1000 with Sea-Band

Three lucky fans can win a Sea-Band prize pack valued at over $1000 each, which includes two Sea-Bands plus a $1000 Eftpos gift card!

Misery loves Facebook

Facebook users are often criticised for only showing the positive, fun parts of their lives. But what about when it swings the other way, when someone uses it for the purposes of ranting about their children all the time, never posting anything positive?

Toddler's adorable impersonation of pregnant mum

Little Ellis has noticed his mum is walking differently lately, and his impersonation of her is hilarious.

'Forgotten baby syndrome' can happen to any one of us

When my third child was two months old, I strapped her into her car seat, then promptly forgot all about her. But she survived, unharmed, because it was winter, and I was lucky.

Join the Real Mums Test Drive Team

Five mums or mums-to-be will join the EB Test Drive Team and discover great items at an exclusive Big W event. (Sydney only.)

Ten things I've learned about motherhood

Never take a good night's sleep for granted. There is no logic like toddler logic. Standing on Lego hurts every time. These are the truths of parenthood.

Parenting past the toddler years: what's next?

Your baby has grown into a toddler, and now your toddler is fast approaching the preschooler stage. What can you expect as a parent?

Tips on what to pack in your hospital bag

Before giving birth I read countless lists, ended up overpacking just a little, and now know what I'll actually want to pack next time.

New app keeps tabs on your kids at childcare

Popular new technology lets parents know what their children are up to at childcare - but not everyone is a fan.

21 things I love about newborns

There?s an irresistible magic about newborns. Of course they're not all smiles and rainbows, but they are undeniably cute and remarkable in so, so many ways.

Kid-friendly hairdressers: who says haircuts can?t be fun?

I?ve found some salons who boast setups ideal for children ? you name it, they?ve thought of it. All are designed to make haircuts fun rather than stressful.

Labour pain relief may reduce risk of postnatal depression: study

Postnatal depression is a complex condition, but researchers say pain relief during labour may help some women.

Why we need better support for men after miscarriage

In a recent study, 85 per cent of men admitted feeling sadness after their partner miscarried, but almost half said they didn't share their feelings at all. What can be done to help them?

Mum in business: Kristy Chong

Kristy Chong is the managing director of Australian-made Modibodi underwear and a mum to Lucas, 6, Jason, 4, and Isaac, 6 months. She shares her advice for other mums thinking about starting their own businesses.

From toddler to preschooler: a developmental roadmap

So your toddler is growing up and will soon be entering the preschooler years. Here are a few ways to frame their development that will help you understand what?s going in those beautiful, funny, clever little heads of theirs.

Mum sacrifices an eye for her unborn baby

Motherhood is full of sacrifices, but this woman has made a life-altering one - and her baby hasn't even been born.

A grandparent by any other name

A growing number of grandparents are shunning tradition and going against conventional names - but a grandparent by any other name still gives the same awesome cuddles and kisses.

Photographer captures the beauty of adoption

The love of a family is usually tough to capture on camera. This is an exception.

When labour just doesn't happen

After three healthy kids, I can?t help feeling I?ve been a little ripped off. I missed out on something I had always wanted to experience, and now I?ll never get the chance.

Be careful what you say, your baby is listening

The importance of speaking to your baby even if they are not old enough to answer back has been highlighted by new research.

Share the little things that make you smile

We're giving away a Mountain Buggy nano, the ultimate travel stroller - and here are some of the great entries so far.

Win a Mountain Buggy nano

We?re giving away the new Mountain Buggy Nano - the lightweight travel buggy! So show us the little things that make you smile for your chance to win.

Download now: Essential Kids Activity Finder app

Got bored kids? Quickly find the best activities for kids wherever you are in Australia with the Essential Kids app.

 
Advertisement
 
Advertisement
 
 
 

What's hot on EB

Win a Mountain Buggy nano

We?re giving away the new Mountain Buggy Nano - the lightweight travel buggy! So show us the little things that make you smile for your chance to win.

Be careful what you say, your baby is listening

The importance of speaking to your baby even if they are not old enough to answer back has been highlighted by new research.

Win $1000 with Sea-Band

Three lucky fans can win a Sea-Band prize pack valued at over $1000 each, which includes two Sea-Bands plus a $1000 Eftpos gift card!

The beautiful moment a baby was born at the side of a road

It's not where she expected to give birth, but mum Corrine Cinatl is delighted that her daughter's roadside arrival was captured in a series of beautiful photos.

Doctor sings first Happy Birthday to newborns

His job is to deliver babies, but this US obstetrician also has a unique way of celebrating the miracle of life.

Join the Real Mums Test Drive Team

Five mums or mums-to-be will join the EB Test Drive Team and discover great items at an exclusive Big W event. (Sydney only.)

The Nappy Collective starts new drive

It's that time of year when the dedicated volunteers at The Nappy Collective do their bit to help out mums and children in need - and they need your help.

Baby shower cake wrecks

From misshapen cake babies to questionable text, from odd colour choices to internal organ recreation, these are the baby shower cakes that taste forgot.

Photographer captures the beauty of adoption

The love of a family is usually tough to capture on camera. This is an exception.

Pregnancy progression photo ideas

Want to record your pregnancy as your belly grows? Here are some creative, fun ideas for photo shoots along the way.

The myths and facts about "normal" breastfeeding

When it comes to successful breastfeeding, there is a wide variety to what is "normal", according to new research.

Tin can craft and DIY ideas

Got a few old formula, Milo or coffee cans around the house? Use these fantastic upcycling ideas to create items for around the house and yard.

Dads meet their newborn for the first time

Emotional photos of two fathers meeting their newborn son have resonated with viewers worldwide, attracting thousands of Facebook likes and shares.

Skin safety isn't just a summer worry

Lax about the slip slop slap with your kids as weather turns cooler? Here's a reminder as to why we have to remain vigilant for our children?s future health.

Personalised baby gifts

We've scoured the internet to find gorgeous personalised keepsakes and nursery decor to record baby name and dates. They make great gifts for christenings, name days and birthdays! (All prices in AU.)

Creative sleeping baby photoshoots

See how some parents and photographers have captured sleeping babies in unusual positions and using different props.

DIY kitchen and food hacks

DIY your way to a better kitchen and make cooking easier with our clever hacks. (Some content reproduced with permission from mashable.com.)

Winter warmers for babies and toddlers

Your baby or toddler will be nice and snug in these beautiful and fun winter pieces. Most are hand-made or knitted, and they're all designed to keep your little one toastie - and adorable!

 

Mind, body, beauty, life

Making time for me

We look at your wellbeing, covering health, relationships, beauty and fashion, mind and body.

 
Advertisement
 
 
Essential Baby and Essential Kids is the place to find parenting information and parenting support relating to conception, pregnancy, birth, babies, toddlers, kids, maternity, family budgeting, family travel, nutrition and wellbeing, family entertainment, kids entertainment, tips for the family home, child-friendly recipes and parenting. Try our pregnancy due date calculator to determine your due date, or our ovulation calculator to predict ovulation and your fertile period. Our pregnancy week by week guide shows your baby's stages of development. Access our very active mum's discussion groups in the Essential Baby forums or the Essential Kids forums to talk to mums about conception, pregnancy, birth, babies, toddlers, kids and parenting lifestyle. Essential Baby also offers a baby names database of more than 22,000 baby names, popular baby names, boys' names, girls' names and baby names advice in our baby names forum. Essential Kids features a range of free printable worksheets for kids from preschool years through to primary school years. For the latest baby clothes, maternity clothes, maternity accessories, toddler products, kids toys and kids clothing, breastfeeding and other parenting resources, check out Essential Baby and Essential Kids.