Young, healthy and invincible, right? Not quite.
Just because you work out and eat well, that doesn’t mean you won’t need health insurance.
Health insurance is there for you in good times and bad. It can help you maintain your good health and it gives you control and choice in your health care.
Let’s get to the bottom of the question: what’s in it for me?
Extras cover provides benefits for the everyday general treatment that keeps you fighting fit. Important treatment like dental, optical and physio. Treatment that keeps you looking and feeling great.
- Dental – it’s a fact that your oral health affects your overall health. And only the dentist can remove the plaque that brushing and flossing can’t get to. Medicare doesn’t chip in anything towards dental treatment – so without extras cover you’ll be footing the entire bill on your own. That can add up pretty quickly.
- Optical – a growing number of young people require glasses to correct short-sightedness and other vision problems. Whether you wear glasses now or will need them in the future, it’s good to know extras cover can cover the cost of frames and lenses.
- Physio – if you take a tumble on your run, overload at the gym, or pull a muscle on the dancefloor, you could need the professional care of a physiotherapist. A physio treats a wide range of musculoskeletal, circulatory and respiratory problems and can advise on the best way to minimise the chance of further injury. Medicare does not contribute to the cost of a visit, but thankfully, extras cover does.
- There are plenty of other treatment benefits available with extras cover. Travel vaccinations, podiatry, chiro, alternative therapy and dietitian benefits are just a few, depending of the level of cover selected.
Just imagine, for a horrible moment, that your tumble on the track (or down the stairs at the club) requires more than just rest, physio and strengthening. What if you need surgery?
An injury that requires hospitalisation will turn your world truly pear-shaped without private hospital cover. That’s because anything other than the need for life-saving surgery will place you on the elective surgery waiting list. And that can take months – sometimes even years – for treatment.
At the end of September 2016, there were more than 41,000 people waiting for elective surgery in a Victorian public hospital. Someone sitting on that list waiting for a knee replacement at that time had a median wait of 110 days.
With an appropriate level of private hospital cover, you would receive the surgery you need almost immediately.
That, in a nutshell, is why you need private hospital insurance. In 2014–15, about two-thirds of all elective surgery was performed in private hospitals, on people who did not want to wait months for the treatment they need.
It’s not just the elderly who have accidents or get sick. Millions of Australians (more than 11 million) choose the greater control and peace-of-mind that private health insurance provides.