- No additional cost to you
- We can save you hours on research
Learn more about Private Health Insurance
A waiting period is the time you need to wait before you are allowed to make any claims for benefits on your cover through your health insurance fund. Waiting periods apply for new or increased levels of cover for both hospital and extras cover.
Private hospital cover is health insurance that covers your costs as a private patient while you are in hospital up to the MBS (Medicare Benefit Schedule) fee. Extras cover offers benefits for out-of-hospital treatments which may include dental, physiotherapy and optical.
Encouraging Australians to take out private hospital cover, the MLS is an additional 1% to 1.5% tax (on top of the standard 2% Medicare Levy) for those who earn above a certain income and don't have private hospital cover.
Thinking of starting a family? It may be worthwhile to learn about the benefits of having private health insurance during your pregnancy. Learn about what’s covered, as well as about important waiting period information in our helpful article.
Avoiding the dentist because of the cost? With extras cover, part of the cost of dental treatments listed in your policy will be covered by your health fund. However, the dental procedures you’re covered for will depend on your fund and policy and are usually subject to an annual limit..
Families come in all shapes and sizes. Finding a suitable health insurance policy for your family will depend on a variety of factors, including your budget and life stage. Being covered can give you peace of mind should the unexpected happen.
It's easy to consider changing health funds if you're unhappy with the service, but most people don't consider a regular policy review as their life progresses through different stages.