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Insurance Guides

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By Relationship Status

Loneliness-As-Risky-As-Diabetes-in-Aged

Loneliness “As Risky As Diabetes in Aged”

We all know that poor nutrition, lack of exercise and smoking are all leading causes of health problems, with lots of attention being placed on these areas. However, you may be unaware that there is a...

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single-parents

Health Insurance for Single Parents

As a single parent, your child is dependent on you for everything. You are responsible for meeting the health needs of your children, as well as for being there to provide care.  This means you need ...

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family-coverage

Health Insurance for Families

Being a parent is a huge responsibility, and part of that responsibility involves making sure that your children grow up to be strong and healthy. Children are prone to accidents and can get sick freq...

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health-insurance-for-singles

Health Insurance for Singles

Medicare provides health care for single individuals and for families throughout Australia. However, Medicare is limited and you could face significant financial expenses as well as restrictions on tr...

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health-insurance-children

Health Insurance for Children

Health insurance offers valuable peace of mind, especially for young families with changing medical needs. Here is our guide to buying health insurance for your family and making sure that it stays...

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couples-prim

Health Insurance for Couples

Purchasing private health insurance limits out-of-pocket costs and gives you broader choices than Medicare cover. If you are legally married, in a registered relationship or living in a de facto relat...

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Insurance Guide

Health Insurance Tips for the Young and Single

Choosing a health insurance plan is really simple for those who are young and single because their main health concern is normally accidents or emergencies.  Fortunately, the majority of health funds...

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By Life Stage

Loneliness-As-Risky-As-Diabetes-in-Aged

Loneliness “As Risky As Diabetes in Aged”

We all know that poor nutrition, lack of exercise and smoking are all leading causes of health problems, with lots of attention being placed on these areas. However, you may be unaware that there is a...

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Private-Health-Insurance-for-30-Year-Olds

Private Health Insurance for 30 Year Olds

If you have reached age 30 and you do not already have private health insurance, now is the time to act. Waiting until you are older can mean extra costs that significantly increase your premiums.  T...

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Health Insurance Guide for Newly Married Couples

Health Insurance Guide for Newly Married Couples

Getting married is an exciting milestone in your life.  It also brings many financial changes as you combine two households into one. One of the things to consider when you merge your lives as a m...

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travelling

Health Insurance for Parents Whose Children are Leaving Home

When major life changes happen, your health insurance needs change. Having the right coverage for you and your family is essential to protect your finances and, most importantly, your health. Reevalua...

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seniors-prim

Health Insurance for Seniors

Many seniors choose to have private health insurance for peace of mind as they get older and are likely to need more medical services. Indeed, “peace of mind” is frequently cited as one of the mos...

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Insurance Guide

Private Health Insurance at a Lifetime Milestone

Entering your thirtieth year can mark a major milestone in the progress of a lifetime. In Australia, reaching that mark often includes making key decisions about private health insurance (PHI) for sin...

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By Cover Type

Mental-Health-Reforms

The Mental Health Reforms: What They May Mean for Your Health Care

Back in November, the government outlined proposed changes for mental health services and this has led many people to wonder what the reforms might mean for their access to mental health support. A...

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472016-prim

4 Treatments Your Family Needs on Their Health Cover

Deciding what to include in your health insurance cover can be very confusing and many families simply don’t know how to strike a good balance between keeping the costs down and making sure that you...

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Health Insurance Extras Coverage

Health Insurance Extras Cover

In Australia, most people are required to purchase Hospital cover or will be subject to a Medicare Levy Surcharge. Many people also get a rebate to help pay premiums. The purpose of Hospital cover is ...

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overseas-coverage

Overseas Visitor Health Coverage

Although Australia has a Medicare system to provide universal healthcare for residents, visitors are not always eligible to have hospital expenses or medical treatment costs paid for by the government...

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Orthodontics-dental-insurance

Private Health Insurance and Orthodontics

Orthodontia is dentistry focused on studying and treating improper bites; tooth irregularities and disproportionate jaw relationships.  Orthodontics is not covered by Medicare in Australia. This mean...

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prim-ambulance

Ambulance Chasing: How to Get the Best from the Ambulance-Cover Market

Ambulance cover is something most Australians will have to deal with at some point, since treatment and transport by ambulance is not covered by Medicare. And depending on where you live you will at s...

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Insurance Guide

Hospital Cover

If you fall sick and need professional treatment, you’re likely to end up relying on one of two healthcare systems.  This will be either the public healthcare system (or Medicare) or the private he...

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dental-guide

Dental Guide

In Australia, we’re lucky enough to have a fantastic public health care system in the form of Medicare, through which many services are free or subsidised. However, despite the fact that good oral h...

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General Guides

why-these-health-insurance-myths-could-blow-your-budget

Why These Health Insurance Myths Could Blow Your Budget

Health insurance can be a confusing business, and many people don’t have a great handle on how it really works. If this applies to you, you may find yourself falling for some of the myths and mi...

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new-article-prim

New Comparison Service Allows Older Australians to Save Big on Their Health Insurance

For many older Australians, health care is an increasingly burdensome expense, but most don’t realise that they could be paying higher premiums for services they will never use. In combination with ...

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The-Dos-and-Don'ts-of-Private-Health-Insurance

The Dos and Don’ts of Private Health Insurance

Let’s face it, health insurance can be hard to get your head around, and it’s this confusion that means that many Australians don’t have the right kind of cover or don’t buy it at all. That’...

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how-to-avoid-the-gap-when-you-go-to-hospital

How to Avoid the “Gap” When You Go to Hospital

Many people assume that Hospital cover will automatically pay for everything if you need to go into hospital but unless you stay solely within the public system, there will usually be some out-of-pock...

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Untitled-1

Taxes and Your Health Insurance

With a new tax year just around the corner, it’s worth thinking about how your health insurance can be affected by your financial situation. Most Australians pay a mandatory 2 per cent Medicare levy...

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Should-Smokers-Have-to-Pay-More-for-Health-Insurance

Should Smokers Have to Pay More for Health Insurance

2016 is gearing up to be a year of health care reforms that will shake up the nation’s funding and hospital system. Recent reports suggest that Health Minister Sussan Ley will conduct a comprehensiv...

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Health-Insurance-Rate-Rise-Survival-Guide

5 Ways to Save Big Money on Your Health Insurance

The rising costs of health insurance premiums means that many Australians are concerned about whether they can continue to afford to keep their cover, and this is likely to be fuelled further by the n...

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Health-Insurance-Rate-Rise-Survival-Guide

Health Insurance Rate Rise Survival Guide

Health funds will be raising their rates again in April, which can prompt many consumers to think about downgrading their existing cover or dropping it altogether. Before you make any hasty decisions,...

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prim3

Benefits of Private Health Insurance

Australian residents and some visitors on student or work visas have Medicare coverage to provide payment for their hospital treatment expenses. If you already have Medicare coverage, you may be uncer...

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prim2

No Waiting Period Health Insurance

When you first purchase private health insurance, there may be a waiting period before certain medical expenditures are covered. The law limits waiting periods for hospital services. However, there ar...

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prim1

Medicare and Dental Cover

Medicare does not cover most out-of-hospital services and if you need any type of dental treatment, you will need Extras cover or to pay out of pocket for dental services.  You should consider the pu...

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prim-medicare-levy-surcharge

Medicare Levy Surcharge

Purchasing health insurance is a smart financial decision for many different reasons, but one of the many financial benefits associated with buying a policy is that you can avoid the Medicare Levy Sur...

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Ombudsman Complain Letter Templates

Ombudsman Complaint Letter Templates

The following letters are templates that you can modify and send to the Private Health Insurance Ombudsman (PHIO). How They Work: Download the template letter that meets your requirements and open i...

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How-to-Make-a-Health-Insurance-Claim

How to Make a Health Insurance Claim

Private hospital insurance should provide cover for treatments received when you need hospital care, while Extras cover will pay for your routine expenditures.  In order for your health fund to pay b...

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phio-guide

Private Health Insurance Ombudsman PHIO

When purchasing private health insurance, you have certain consumer rights. If your insurance company fails to follow the laws or engages in dishonest or unfair behavior, you can make a compliant to y...

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Insurance Guide

Private Health Insurance for 30 Year Olds

If you have reached age 30 and you do not already have Hospital cover, now is the time to act. Waiting can mean extra costs that significantly increase your premiums.  The longer you wait, the more y...

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phi-rebate

The Private Health Insurance Rebate

Purchasing health insurance is very important for your well-being and your financial protection.  Without hospital cover, you could face restrictions on care, be limited to visiting a public hospital...

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hospitals-vs-extras

Hospitals vs. Extras Cover

Medicare in Australia covers treatment at public hospitals, x-rays, pathology tests, and immunisations. It does not provide treatment in private hospitals, nor does it cover out-of-hospital treatments...

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485-visa

Health Insurance for 485 Visas

If you are an international student who has recently graduated from an educational institution in Australia, you may wish to continue living in Australia after your schooling is complete. Staying in ...

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Private-Health-Insurance-and-Waiting-Periods

Private Health Insurance and Waiting Periods

[do action="calc-assets"/] When you buy private health insurance to cover hospital care or extras, you may be subject to waiting periods. Waiting periods apply when you buy a new policy for t...

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Insurance Guide

Health Insurance and Pre-Existing Conditions

[do action="calc-assets"/] Many Australians purchase private health insurance coverage.  Hospital policies offered by private insurers pay for costs not covered by Medicare and make it possi...

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The Gap

Health Insurance & The Gap

Medicare pays for a portion of covered medical treatments. Private health insurance policies pay additional costs not covered by Medicare.  However, many insurance policies do not cover 100 percent o...

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457-prim

457 Visa Health Insurance

A 457 visa is the visa most commonly used when a foreign worker comes to Australia to temporarily join the workforce. The 457 visa is also referred to as a Temporary Business (Long Stay) visa. Because...

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How-to-Switch-Health-Insurance-prim

How to Switch Health Insurance

Over half of Australians have some degree of health insurance. Consumers have the option to shop around among multiple health funds to find cover that meets their needs. The key to consumer choice ...

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Insurance Guide

Health Insurance for Parents Whose Children are Leaving Home

When major life changes happen, your health insurance needs to change. Having the right cover for you and your family is essential to protect your finances and, most importantly, your health. Re-eval...

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Insurance Guide

Ambulance Chasing: How to Get the Best from the Ambulance-Cover Market

Ambulance cover is something most Australians will have to deal with at some point, since treatment and transport by ambulance is not covered by Medicare. And depending on where you live you will at s...

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Insurance Guide

Lifetime Health Cover Loading

The public healthcare system in Australia i.e. Medicare, covers Australians for many health care costs. It comprises three aspects i.e. hospital, medical and pharmaceutical. Hospital: You can ...

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Insurance Guide

Lifetime Health Cover Loading

The public healthcare system in Australia i.e. Medicare, covers Australians for many health care costs. It comprises three aspects i.e. hospital, medical and pharmaceutical. Hospital: You can ...

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Medicare-vs-Private-Health-Insurance

Medicare vs Private Health Insurance

Medicare ensures that all Australians receive free public healthcare. But when is it not enough? The private healthcare system, which funds around a third of all healthcare in the country, can grant p...

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Insurance Guide

Medicare vs Private Health Insurance

Medicare ensures that all Australians receive free public healthcare. But when is it not enough? The private healthcare system, which funds around a third of all healthcare in the country, can grant p...

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Insurance Guide

Tax treatment of Australian Private Health Coverage

Private health Insurance (PHI) has received generous tax treatment in Australia for the past 15 years. But belt-tightening begun by the previous Labor administration a couple of years ago is continuin...

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Insurance Guide

Tax treatment of Australian Private Health Coverage

Private health Insurance (PHI) has received generous tax treatment in Australia for the past 15 years. But belt-tightening begun by the previous Labor administration a couple of years ago is continuin...

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By State

Health-Insurance-by-State

Health Insurance: WA

Throughout Australia, over 30 health funds offered cover to approximately over 12 million Australians in 2015, which reflected around 56 percent of the population. While some health funds operate coun...

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Health-Insurance-by-State

Health Insurance: Victoria

When you shop for health insurance, it is helpful to understand how the market works.  Throughout Australia, there are over 30 health funds providing health insurance to consumers who want broader co...

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Health-Insurance-by-State

Health Insurance: QLD

Although Medicare pays for some health services for Australians, more than half of the population opts to purchase some type of private health coverage. In total, approximately 55 percent of the popul...

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Health-Insurance-by-State

Health Insurance by State: NSW

Throughout Australia, nearly half  of the population, have private health insurance to provide coverage for hospital service and 55 percent of the population has general coverage to pay for things li...

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