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Are You On a Junk Health Insurance Policy? It’s Time to Change (social)

A revealing report from the Australian Medical Association suggests that many consumers may be paying for junk health insurance policies. These are policies that do not provide the expected coverage, something people don’t discover until they are in a time of need.

A junk policy misleads consumers into thinking that they are getting more than they really are. For example, many of these policies only provide coverage for public hospitals and don’t allow patients to choose their own doctor or arrange medical procedures at an appropriate time.

Policy names can trick consumers into thinking that they are getting good value for their money, simply because they are described using words like ‘essential’ or ‘comprehensive.’ These terms create the illusion that a policy offers a number of benefits, when in fact it may be a very basic policy.

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