Many people call us questioning what their private health will cover? This is a difficult question, as it depends on their specific fund and the level of cover. The best way to find out how much your private health insurance covers is to call your health insurer directly.
If you would like to compare your current health insurance to other providers policies you can use a company that specialises in health fund comparisons such as iselect or compare the market. It’s a good idea to reassess your health cover if you have had a policy for years, funds are often changing and upgrading their policies and there may be a policy that suits your current health needs a little better than your existing plan.
What Does Private Health Cover?
- Basic health cover will generally only provide for out of pocket hospital expenses. Others may offer ambulance cover.
- Medium to high level policies will help towards or fully cover other items including remedial massage, myotherapy, general dental, optical, pharmaceuticals, physiotherapy, chiropractic, podiatry, and psychology.
What kind of rebate will you receive?
Each provider and each policy is different 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. It’s also important to understand exactly how much rebate you will receive for each visit, and If there are 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.
At Melbourne Combined Natural Therapies we use the HICAPS system which offers instant health fund rebates, this means you only need to pay the gap amount. Alternatively we can provide you with an invoice and the practitioners provider number and you can make a claim online or over the phone with your health insurer.
Melbourne Natural Therapies
What Does Private Health Cover