What does private health cover?
This depends on the fund and the level of cover. The best way to find out more is to use a company that specializes in health fund comparisons such as iselect. Reassess your health cover if you have had a policy for years; funds are often changed and upgraded; there may be a policy that suits your current health needs a little better than your existing plan.
Basic health cover will generally provide for out of pocket hospital expenses. Others may offer ambulance and private hospital cover. Medium level policies will help towards other items including general dental, optical, pharmaceuticals, physiotherapy, chiropractic, podiatry, and psychology. Medium to higher level policies will also cover other ancillary services such as remedial massage, Alexander technique, acupuncture, herbal medicine, and myotherapy.
What kind of rebate will you receive?
Each provider and each policy differs which is why it’s worth shopping around to find the policy that’s right for you. Take into account what modalities you would like to include and how often you are going to use them; how much rebate will you receive at each visit? Are there any specific exclusions or waiting periods? Shop around to see which fund gives a good rebate on the services you use most to help make healthy living affordable and sustainable.