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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
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Types of Private Health Insurance Cover
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There are two types of private health insurance cover available:
Hospital Cover
Hospital cover helps with the cost of medical treatment
such as hospital accommodation and doctors’ charges for hospital
treatment services. This applies when you are receiving treatment from
a public or private hospital. Depending on your hospital cover, it may
also cover the payment of benefits for treatments in other settings agreed
with your insurer, when they are coordinated by a hospital.
There are various types of private health insurance hospital cover that
you can purchase. Some health insurance policies will give you full cover
against the costs of hospital accommodation and in-hospital medical charges.
Others, for which you will pay lower premiums, will require you to meet
part of the costs. You can elect to pay a lower premium in return for
agreeing not to be covered for some conditions, or to only receive limited
benefits for a certain condition, or to pay a set amount towards the cost
of your hospital treatment.
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