Insure? Not Sure?

Topics in this Section

Introduction

Contents

General Information

Surcharges and Incentives

About Private Health Insurance

Types of Cover

Questions You Should Ask

Common Terms

Insurer Contact Details

Contents

General information

• General Information
• What Medicare provides
• When you are a private patient in a hospital
• What private health insurance covers
• Your options as a privately insured patient

Health insurer arrangements to cover gap

• Health insurer arrangements to cover 'the gap'

Surcharges and incentives

• Lifetime Health Cover
• Private Health Insurance Rebate
• Medicare Levy Surcharge (MLS)

About private health insurance

• About private health insurance
• Insured Groups
  • Standard waiting periods for pre-existing ailment/s or illnesses
  • Definition of pre-existing ailment
  • Waiting periods
  • Waiting periods for new-borns
  • Transferring between insurers
  • Suspending your membership
  • Standard information statements
  • Keeping insured people up to date
• Paying your contributions
  • Paying in advance
• Discounts on premiums
• Unpaid contributions
• Cancelling your membership
• Benefits you will receive
  • your benefit options as a privately insured patient
  • Ineligible claims
  • Prostheses
• Private Patients' Hospital Charter
• Private Health Insurance Complaints Ombudsman

Types of private health insurance cover

• Hospital Cover
  • Exclusionary Cover
  • Front End Deductible or Excess
  • Co-payments
  • Restricted Benefits
  • Benefit Limitation Period
  • Public Hospital
  • Hospital-Substitute Treatment
• General Cover (previously known as ancillary or extras cover)

• Packaged Products

Questions to ask a private health insurer

• Questions

Common terms used by private health insurers

• A - L
• M- Z

Contact details for Australia's private health insurance funds

• Contact

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Private Health Insurance Administration Council

Suite 16, Level 1, 71 Leichhardt Street, KINGSTON ACT 2604
Telephone 02 6215 7900 | Facsimile 02 6215 7977 | Email phiac@phiac.gov.au

Last modified: 22 July, 2005