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Insure? Not Sure? |
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About Private Health InsurancePage | 1 | 2 | 3 | 4 | 5 | 6 | 7 | Benefits you will receiveThe amount of benefits you receive for hospital or medical treatment will depend on the type of cover you purchase, and whether you have chosen to contribute to the costs of your hospital treatment in exchange for paying a lower premium. The amount of benefits you will receive also depend on the hospital and doctor you choose, and whether the hospital has an agreement with your insurer and the doctor is participating in the insurer's gap cover arrangements. When your health insurer has an agreement with your hospital and your doctor is participating in the insurer's gap cover arrangements, you are less likely to have out-of-pocket costs. If you choose to go to a hospital that does not have an agreement with your insurer, you may have significant out-of-pocket costs. Well in advance of receiving treatment you should check with your health insurer on whether there is an agreement in place with your hospital and whether your doctor is participating in the insurer's gap cover arrangements. You should also ask your doctor(s) and hospital for an estimate of their costs and how much will not be covered by your health insurer. Your health insurer should also be able to assist with calculating likely out-of-pocket costs. You can ask any health insurer about the hospitals that have agreements with that insurer and doctors who are participating in the insurer's gap cover arrangements. If you have general treatment cover (previously known as ancillary or extras) you need to be aware that the benefits health insurers will pay for general services may be 'capped', and some services might not be covered at all. Your benefit options as a privately insured patient
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Private Health Insurance Administration CouncilSuite 16, Level 1, 71 Leichhardt Street, KINGSTON ACT
2604 |
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Last modified: 22 July, 2005 |
