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Private Health Insurance
Dumb question, probably.


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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.




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