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The Different Types of Private Health Insurance

Introduction

Private health insurance is a type of coverage that helps you pay for the costs of health care when you use it. Private health insurance can be an important part of your overall financial security plan and may make sense if you’re already covered by a group or government program like Medicare, Medicaid or Tricare. However, it’s important to know that private plans don’t cover all medical expenses.

Section: What Is Private Health Insurance?

Hospital-only private health insurance

An example of hospital-only private health insurance is:

  • covers hospital costs for in-patient treatment, day procedure and out-patient services.
  • covers some extras such as dental care (including emergency dental treatments costing more than $750), physiotherapy and allied health care services (including some mental health care costs). It may also include optical and hearing services.

These extras depend on what your plan includes and whether you purchased any additional benefits when purchasing your policy.

Hospital and extras cover

Hospital and extras cover is the most popular type of private health insurance. It covers you for hospital treatment and some extras, such as dental care, physiotherapy and optical services.

This type of cover is a good option if you want to be covered for hospital treatment in addition to other medical services such as physiotherapy or optical services (which may also be referred to as “ancillary cover” or “general treatment cover”).

A benefit of this type of policy is that it can provide an insurance rebate on your Medicare Levy Surcharge if you have reached your Lifetime Health Cover threshold.

Extras cover only

Extras cover only is a type of private health insurance. It covers the costs of private hospital treatment, but not the cost of a public hospital stay. This means that if you need to go to hospital and get admitted, your Extras cover will pay for things like:

  • Dental care (orthodontics)
  • Optical services (eye exams) and lenses
  • Chiropractic treatment

Combined public and private health cover.

Combined public and private health cover. This is a mix of public and private health cover, but it’s usually the most expensive option. If you want to pay for private health care without having to pay for the full cost yourself, this is probably your best bet.

The right cover can help you and your family stay healthy.

The right cover can help you and your family stay healthy.

Private health insurance is designed to help manage the cost of healthcare expenses, with some policies offering additional benefits such as dental care or access to prescription drugs. It’s important to think about what type of cover you need before choosing a policy so that you can make sure it meets all your requirements and gives you peace of mind in case something goes wrong with one or more members of your family.

There are four main types of private health insurance: Hospital & Extras; Hospital Only; Extras Only; High Risk (for people who have been denied cover by another insurer). Each policy has different premiums depending on how much coverage it provides and what age group it covers – younger people tend to pay less than older ones because they’re generally healthier overall!

Conclusion

You can choose the right cover for your needs by speaking with an advisor at our office or through our website. We offer a wide range of options, including hospital-only private health insurance and extras cover.

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