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Private Health Insurance Comparison: Combined Hospital and General Treatment Cover

July 25th, 2012 0 comments

Many Australians opt for private health coverage. There are many advantages to the private health system, including government reimbursements and plenty of options, which make it an attractive alternative.

Those unfamiliar with the system may not realize that there are two, separate plans for patients, which are hospital coverage plans and general treatment plans. Of course, patients can elect to purchase a combined plan to gain complete, private medical coverage.

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Hospital Cover

A plan that covers hospital treatment offers patients higher quality hospital care. Depending on the plan chosen, a patient may be able to choose her hospital, doctor or both. There are four, basic levels of hospital coverage plans, which are:

Top level – patients are covered at every level

Medium level – Some treatments, such as pregnancy-related services, assisted reproduction and cataract surgery are excluded from coverage.

Basic level – All basic services are covered, with more treatments, such as psychiatric services and palliative care, excluded.

Public level – At this level, patients are covered for stays and treatment only at public hospitals.

Of course, each private health fund has its own rules and options, and you need to compare private health funds to see what is specifically covered in each one.

General Treatment Cover

Someone who opts of plain general treatment coverage received coverage for an assortment of out of hospital services such as physiotherapy, optical and psychology. General treatment plans also have tiers, which are generally grouped as comprehensive, medium and basic. Comprehensive covers almost all possible medical services, such as dental, optical and psychology. Medium excludes some of these services, and basic covers minimal services, depending on what the patient requires.

Combined Options

Many patients require or prefer a combined option of hospital and general treatment cover for a complete private health insurance package, which gives them total coverage for all of their medical needs. Someone looking for this type of package will purchase a comprehensive plan that covers all hospital and general treatment services together.

Other patients may only need particular services and will not need to pay for a comprehensive plan. They may want to cover themselves for both types of treatment at a basic level as insurance in case of an unforeseen emergency, but they don’t want to pay top dollar for the highest levels, as they don’t anticipate using it.

Some funds offer pre-packaged plans that suffice for many people, whereas some allow the patient to choose the services and treatments that she needs to create her own, personalized plan. For example, someone may want only a basic hospital plan, as he doesn’t think he’ll require more, but a high level general treatment plan that includes dental and orthodontic for his young children’s needs. A young couple expecting a baby may choose a high level hospital plan, but a medium coverage treatment plan as they prepare for the birth of their baby.

A private health fund comparison allows you to see which of the many funds available cater to your needs for the greatest value for your dollar.

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