Author: Grady Marsh

For anyone considering health insurance, there will be a decision to make as to go for private or public health insurance. Private health insurance has a wide range of benefits. Here are some of the arguments championed by members own private health insurance cover.

When do you Need Private Health Insurance?

Private health insurance stands out due to its convenience. If you face any health complications that are under your coverage, you are guaranteed instant coverage. Other reasons why private health insurance sands out is the Medicare surcharge associated with public health coverage. This helps you save money in the long-term while avoiding the burdensome line at public hospitals.

Private Health Insurance – Benefits

With private health insurance, there will be no waiting lists when having to seek medical care. You can count n a comprehensive dental cover, private hospital rooms, and choice in doctor. Let’s not forget the ability to claim back refunds on non-medical health-related expenses. As a privately insured citizen, you can claim the private health insurance rebate and avoid unnecessary medical levy surcharges. This way you shall be saving I the long term on lifetime healthcare.

The Argument for Public and Private Health Cover

In Australia, the public health system is under the Government Medicare scheme. The cover focuses on residents. In as much as the public health Medicare subsidizes several treatments, the private cover is more complete and keeps you off the painful waiting lines. The private cover even clears treatment charges on the dental care, physiotherapy, and optometry.

1. No Waiting Lines

If you are to undergo an elective surgery procedure, private health insurance will see you get the attention you need right away. Given your priority status, you will receive care instantly. Elective surgery involves non-lethal procedures that do not require emergency attention. They include gallstone removal, joint replacements, or the removal of cataracts. Even the procedure for correcting tonsillitis is regarded as elective surgery. According to statistics, the waiting period for such a procedure can extend past a year. Unlike chest and heart surgeries which have the lowest waiting times, eye surgeries had average waiting times extending over six months. In addition to the waiting period, the exposure a patient undergoes that extends for several months will only make the situation deteriorate from bad to critical. Those with private health insurance hardly know any of this troubles. Their coverage gives them a locked in a date. That means their procedure will not be pushed back due to the urge for a more pressing medical condition of another patient.

2. Private Rooms

The option of having your private room is key to your overall recovery. When huddled in a room with up to six people suffering from different conditions, you might be at risk of contracting another infection. Research shows that those patients who secure a private room – preferably with access to some garden – recover faster.

3. Claim on non-Medicare Health Services

Signing up for private health insurance helps you receive …