Why You Still Need a Private Health Cover
Truth be told, Australia’s health care system is eons better than most countries in the world. You may even ask yourself, if treatment is free in Australia’s public hospitals, why need a private health cover? Granted, even if you are one of those few individuals who are rarely sick, it’s not just about yourself. Health coverage includes your family members, so if your loved ones are sick, wouldn’t you want the best for them?
This is not to say that Medicare is not enough. Public hospitals in Australia are of the highest standards and at most times, are enough for anybody. However, Medicare has several limitations, which can be easily solved by getting a private health insurance. By taking a step further, you are given more options and choices, which are important for anyone who wants to take charge of their well-being. You get to choose which hospital you want to go to and which doctors will oversee your treatment, which is not possible under Medicare. Also, you don’t have to wait longer when getting an elective surgery.
While the current health care system in place covers common illnesses and treatments, Medicare does not cover pharmacy, chiropractic, physiotherapy, dental, and optical expenses. If you are not protected by a private health cover, you are not sure which hospital charges are covered and which are not, making it difficult for you to manage your expenses each time you and your loved ones fall ill. This is why, even if you’re satisfied with Medicare, it’s important to have a backup or a safety net, as emergency situations often drain people emotionally, as well as financially.
Choosing the Right Private Health Insurance
Making a health fund comparison right off the bat isn’t easy. There are several providers, each with their own policies, premiums, coverage, and exemptions. If your health care has been provided by the state or your workplace, it might be difficult trying to search for one on your own. Since your family is also affected by this matter, try talking to your parents or your spouse about this.
Before choosing, make sure you get medical insurance quotes on the extent of their coverage and their limitations. Most health funds have brochures, manuals, or even a website, dedicated to giving you information about those services – don’t take these for granted. Get as much information as you need and don’t forget the fine print. Many providers have hidden exclusions and subtle clauses you might not catch if you’re not meticulous with details.
Of course, health funds can be confusing for most people. If you are clueless about what a particular term or phrase means, ask someone for help, preferably a person with medical background. It is important that you fully know well what your health fund covers and what it doesn’t. If you are confused, you can have an agent or a family doctor translate certain parts of the policy for you.
Illnesses render a person extremely vulnerable to life changes. Getting a private health cover can safeguard you and your family from suffering financially when one member needs medical attention. Public health care is always a good thing, but it’s better to take charge of your own well-being at times of sickness. For more information, visit at http://www.phoenixhealthfund.com.au/