Navigating Australia’s Health Insurance System: 4 Helpful Tips
As home to one of the world’s most developed and reliable public healthcare systems, Australia is a leading country in quality of life, general health, and public well being. But despite the availability of inexpensive and reliable public healthcare, a growing number of Australian residents are opting to purchase third-party private health insurance, either on a full-time or selective basis.
Given the quality of many private hospitals, it’s hard to blame them. The cost of treatment at one of the country’s public facilities may be minimal and almost entirely paid for in tax revenue, but with a night and day difference in quality it’s no surprise that so many spring for greater expenses. If you’re current considering a health insurance policy, use these four tips to ensure you get fantastic service.
1. Speak with insurance companies directly, not through a broker.
Health may be a necessity, but for many Australians it’s also a business. While the Australian health insurance industry is home to fewer brokers than its American counterpart, it does contain a sample of competitive brokers and predatory operations. While it’s unlikely that you could end up ripped of or swindled by an insurance broker, it’s almost certain that you’ll find better deals buying direct.
2. Use online comparison tools to check coverage, depth, and emergency assistance.
A variety of health insurance resources are available online, with many websites offering insurance comparison widgets and basic premium calculators. If you’re shopping around for an individual or family-based policy, looking online can help you spot competitive deals and worthwhile coverage options. Be sure to check a variety of sources before committing to a certain online plan.
3. Do you travel often? Make sure to check for international health coverage?
While most health insurance plans offer at least some degree of international coverage, many will allow clients to claim for only the most basic expenses while outside the country. Check with your insurer that you’re covered while traveling outside of Australia, and make sure that you can access high quality hospitals in your region.
It’s also important to ensure that you are covered for leisure activities while overseas, as many of the country’s biggest insurance companies will offer only limited coverage to travelers. If you plan to rent a motorcycle, take part in potentially dangerous sports, or enjoy adventure tourist activities while in another country, it’s essential to check that your plan and insurer will offer coverage.
4. Ensure that your insurance plan grants access to hospitals in your region.
Some health insurance plans offer coverage for a small selection of private hospitals, many of which could be located outside of your city. Before you commit to a low-cost health insurance contract, check that it offers care at hospitals, clinics, and other medical facilities that are easily accessible. In certain cases, it’s advisable to keep a list of nearby hospitals for emergencies.