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Insure? Not Sure? |
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Topics in this Section |
Types of Private Health Insurance CoverHospital CoverYou could elect to pay a lower premium and take out a hospital cover policy with one or more of the following features: If your policy features an exclusion for a particular condition, you are not covered for treatment as a private patient in a public or private hospital for that condition. For example, if you purchase a private health insurance policy that excludes maternity, hip replacements and knee replacements, and you go into hospital as a private patient for one of these conditions, your health insurer will not pay any benefits towards your hospital and medical costs. If you are unsure which conditions are excluded on your policy you should ask your health insurer. An excess is an amount of money you agree to pay for a hospital stay before health insurance benefits are payable. For example, if your policy has an excess of $200, you will be required to pay the first $200 of your hospital costs should you go to hospital as a private patient. An excess could apply every time that you go to hospital in a year, or it may be capped at a total amount that you will have to pay in a year. If you are unsure how the excess on your policy works you should ask your health insurer. |
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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 |