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Everything Health Insurance
Getting Started
Is Health Insurance worth having?
Sure, Health Insurance offers plenty of benefits, but given it’s not cheap, it’s only natural to wonder whether the benefits are worth the cost. Let’s take a look at the pros and cons of getting (or keeping) Private Health Cover in Australia.
How to choose Health Insurance
Private Health Insurance can give you invaluable peace of mind and more flexibility with your healthcare. Having an appropriate level of cover can help safeguard you against some of the costs of medical treatments in the private hospital system.
What are the Benefits of being a Private Patient?
Tomato sauce or BBQ? Tea or coffee? Public or Private Health Insurance? These are the dilemmas of our time. While we’d never presume to answer these questions on your behalf, we can tell you some of the good things about Private Health Insurance.
How to switch Health Insurance
Not getting what you need from your Health Insurance? In this article you’ll learn about some of the factors to consider when switching policies or insurers in the easiest, smoothest way.
Health Insurance Basics
Health Insurance Waiting Periods
A waiting period is a set amount of time that you need to serve before you can claim on a service or treatment. Let’s go ahead and explore exactly what a waiting period is, and how it can impact your health choices.
Pre-Existing Conditions and Health Insurance
Discover how pre-existing conditions are defined, how they’re assessed by Health Funds, and how your Health Insurance policy may differ if you have a pre-existing condition.
How to Claim on your Health Insurance
Need to make a claim on your Health Insurance policy, but aren’t sure how? We’ve got you covered! Read on to learn more about making a Health Insurance claim, including how to claim, what you can claim for, and how long you have to submit a claim.
How to Cancel Your Health Insurance
If you’re not satisfied with your Private Health Insurance, you have three main options – cancel your existing policy, switch policies with the same Health Fund, or move to a new Health Insurance Provider.
What are the Health Insurance Reforms?
Since 2019, the Aussie Government has made a number of changes to the Health Insurance industry. The aim is to make it simpler and cheaper for everyone.
Understanding the Costs
What is the Medicare Levy?
It’s easy to take Medicare for granted. It plays a key role in how Aussies access health care, and if you’re under 40, you might have never known life without it. Come tax time, you also likely help to fund it, via the Medicare Levy.
What is the Medicare Levy Surcharge?
If you’re earning over $97,000 a year, or are in a couple or family that has a combined income of over $194,000, you may be affected by the Medicare Levy Surcharge, if you don’t have a suitable level of Private Hospital Cover.
What is Lifetime Health Cover Loading?
While you might be young and healthy in your 20s, taking out Health Insurance earlier in life can save you money in the long run. If you get Hospital Cover before you turn 31, you can avoid having to pay Lifetime Health Cover Loading down the track.
What is the Private Health Insurance Rebate?
Depending on your age and income, you might be able to save on your Private Health Cover when you claim the Private Health Insurance Rebate.
What is the Medical Gap Scheme?
Getting treated at a private hospital doesn’t have to cost an arm and a leg! There are tons of insurers out there who offer ‘gap schemes’ to help with the out-of-pocket costs.
Health Insurance for your Life Stage
Singles Cover
When you want cover for priority number one (you!), Singles Health Cover could be where you find it.
Couples Cover
Choosing Couples Health Cover could make balancing your budget simpler plus look after yours and your partner’s health.
Family Cover
You don’t need to be the Brady Bunch to get value out of Family Health Cover with options for all sorts of needs available.
Single Parents Cover
No one works harder than a single parent and Single Parent Health Cover could work hard for you and your health.
Seniors Cover
Growing older could mean more trips to the doctor and needing harder working Health Insurance as a result.
Understanding Health Insurance Tiers
What is Basic Hospital Cover?
Basic Hospital Cover includes a few different treatments and helps keep the LHC loading out of your life.
What is Bronze Cover?
Bronze Cover is the second lowest of the four tiers of Hospital Cover. It’s generally a more affordable option than Silver or Gold, but also provides fewer benefits, so it’s really important that you are absolutely clear on what a Bronze Policy will cover you for, and just as importantly, what it won’t.
What is Silver Cover?
Silver Cover is the second-highest tier of Private Hospital Cover. You get the same hospital treatments you’d find in the Basic and Bronze Cover, but also coverage for additional therapies without any restrictions.
What is Gold Cover?
When it comes to Private Hospital Cover, Gold Cover is the gold standard! Gold will cover you for a huge range of medical treatments. Let us guide you through the many benefits and features of Gold Cover.
Health Insurance for Medical Procedures and Treatments
Health Insurance for Cosmetic Surgery
We’ll look at Health Insurance for cosmetic surgery, including what types of surgeries may be covered by your Health Insurance policy, and whether you can choose a policy that covers plastic surgery.
Health Insurance for Cancer Treatment
Receiving a cancer diagnosis is always difficult. It can be stressful and overwhelming for you and your family. A suitable Health Insurance policy can help reduce some of the financial pressures, so you can focus on your health and treatment.
Health Insurance for Heart Conditions
Considering switching to a plan that will cover you for heart disease? We’re here to give you all the information you need. Ultimately, though, we stand by Roxette’s advice: listen to your heart.
Health Insurance for Joint Replacements
While they mightn’t be as fun as a home reno, joint replacements and reconstructions can be just as expensive. However, your Health Insurance might help foot the bill.
Health Insurance for IVF and Pregnancy
Health Insurance For IVF
Choosing to grow your family is a life-changing decision for everyone involved. In Australia, there are thousands of adults and couples who are ready to become parents, yet face difficulties with conceiving a child.
Health Insurance for Pregnancy
If you’re thinking about starting a family, you’ve probably got a lot on your mind. Is the house big enough? Will I ever sleep again? What about Health Insurance? While we can’t tell you what to name your kid, we can help with that last one.
Pregnancy and Health Insurance Waiting Periods
It’s exciting when you choose to expand your family, but there can be a lot to think about – including whether your Health Insurance suits your timeline and budget.
Public vs Private Hospital for Pregnancy
Thinking about having a baby? Choosing whether to go public or private for your delivery might not be the biggest decision ahead of you, but it’s still worth bumping it up on the list (pun intended).
Extras Cover Benefits when Pregnant
Pregnant or planning on it soon? Whether you love being pregnant or can’t wait for it to be over, it can definitely be an intense time. To help you through, it might be worth considering what type of Health Insurance you could benefit from.
Understanding Medicare
Understanding Medicare in Australia
Medicare is a government service that helps to reduce the cost of health care in Australia. Most people who live in Australia can use the service. The question is, what can you do with your little green card once you’ve got it?
Making a Medicare claim
Australians have access to free and subsidised health care through the taxpayer-funded federal Medicare scheme. A Medicare claim is an application for reimbursement from the Australian Government for your health services.
What is the Medicare Safety Net?
The Medicare Safety Net can seem a little complicated at first. But once you understand the basics, it’s easy to see how it can help you and your family save money each year.
How HICAPS works
Remember when you used to have to spend ages lining up at your local Medicare branch to lodge your claims? Thankfully those days are long gone! These days HICAPS allows you to claim your benefit on the spot at your healthcare provider.
Understanding the Medicare Levy
It’s easy to take Medicare for granted. It plays a key role in how Aussies access health care, and if you’re under 40, you might have never known life without it. Come tax time, you also likely help to fund it, via the Medicare Levy.
iSelect does not compare all health insurance providers or policies in the market. The availability of policies will change from time to time. Not all policies available from its providers are compared by iSelect and due to commercial arrangements, your stated needs and circumstances, not all policies compared by iSelect are available to all customers. Some policies and special offers are available only from iSelect’s contact centre or website. Click here to view iSelect’s range of providers