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Private health insurance


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#76 lazycritter

Posted 14 November 2019 - 08:53 AM

IF I got private health,  I would go non profit.

A friend showed me this one https://peoplecare.c...rance/Families/

#77 born.a.girl

Posted 14 November 2019 - 09:20 AM

View PostFuzzyChocolateToes, on 13 November 2019 - 10:17 PM, said:

The tunnels I know of are definitely not for transporting patients. That's what corridors are for.


I only know of one, and it's between two public hospitals.


When I was first pregnant, I wanted to go to Freemason's, and obstetrician told me to also book into Mercy (which was then still around the corner).  I had to make it to 34 weeks to go to Freemason's, and when I commented that the Mercy was just around the corner, the receptionist quite rightly pointed out that sometimes you don't have five minutes, even if the ambulance is right there.

#78 lazycritter

Posted 14 November 2019 - 09:45 AM

I thought the tunnel between the public and private (though recently no longer private) was for getting lost.

That's my first hand experience anyway.

#79 cabbage88

Posted 14 November 2019 - 06:48 PM

Oh man I feel like we have to get it but I'm so anxious about it. It's so much money! I'm already working a lot. I'm not keen on cutting back some of the allowances we've made just to have PHI- like we have money for a cleaner but it seriously saves my sanity.
Just having a useless whinge- I know first world problems. I still feel like I'm so rich because I can afford a cleaner now

#80 IamOzgirl

Posted 14 November 2019 - 06:54 PM

View Postborn.a.girl, on 14 November 2019 - 09:20 AM, said:

I only know of one, and it's between two public hospitals.


When I was first pregnant, I wanted to go to Freemason's, and obstetrician told me to also book into Mercy (which was then still around the corner).  I had to make it to 34 weeks to go to Freemason's, and when I commented that the Mercy was just around the corner, the receptionist quite rightly pointed out that sometimes you don't have five minutes, even if the ambulance is right there.

Yep - we lost Jack's heart beat in the theaters ante room. he was born 7mins later.

We did not have 5mins.

#81 zogee

Posted 14 November 2019 - 07:26 PM

View Postcabbage88, on 14 November 2019 - 06:48 PM, said:

Oh man I feel like we have to get it but I'm so anxious about it. It's so much money! I'm already working a lot. I'm not keen on cutting back some of the allowances we've made just to have PHI- like we have money for a cleaner but it seriously saves my sanity.
Just having a useless whinge- I know first world problems. I still feel like I'm so rich because I can afford a cleaner now
Cabbage it might be worth also looking at salary continuance /income protection insurance? Sorry to add another worry but I have this insurance because I am a casual employee, and you mentioned you’re responsible for your own workers comp?

#82 born.a.girl

Posted 14 November 2019 - 07:46 PM

View PostIamOzgirl, on 14 November 2019 - 06:54 PM, said:

Yep - we lost Jack's heart beat in the theaters ante room. he was born 7mins later.

We did not have 5mins.

I'm sorry, I hope that wasn't distressing for you to read.

#83 IamOzgirl

Posted 14 November 2019 - 07:59 PM

View Postborn.a.girl, on 14 November 2019 - 07:46 PM, said:

I'm sorry, I hope that wasn't distressing for you to read.

It wasn't thank you for asking.

You helped me say what i wanted to, i had been thinking it ever since the "transfer to another hospital" came up

Jack had the best care in the room. The head pediatrician happened to be in the hospital when the code was called. And the top baby anesthetist as well.

They couldn't save him.

I had nothing to do with the hospital or the Dr's ability or equipment.

#84 Hands Up

Posted 14 November 2019 - 09:14 PM

I’ve had access to cheap plans through my various workplaces (they have good coverage too) so we are currently paying $220 a month for high level hospital and extras for a family policy. DH had elective surgery for a painful condition within 3 weeks of seeing the surgeon this year and our out of pocket costs were minimal. We both have ore existing conditions which means we use some extras frequently. It’s defi worth it for us. Oh and we had both babies through the private system which was definitely worth it in my opinion.

#85 cabbage88

Posted 16 November 2019 - 08:51 PM

View Postzogee, on 14 November 2019 - 07:26 PM, said:


Cabbage it might be worth also looking at salary continuance /income protection insurance? Sorry to add another worry but I have this insurance because I am a casual employee, and you mentioned you’re responsible for your own workers comp?

Very true. I think I can get it through my super, I'll have to check it out

#86 born.a.girl

Posted 17 November 2019 - 05:23 AM

Just beware, anyone who's a casual employee, about relying on insurance through super.  There have been cases where claims have been rejected because the employee did not have any fixed hours that could be used to calculate a payment.

#87 Popper

Posted 17 November 2019 - 05:31 AM

We have always had PHI. Our family of 4 has bronze cover for $290 pm. This calendar year we have pretty much claimed back 6 months of premiums for dental and optometry. This is rather typical for us. The balance of the annual cost we see as insurance. Over the years DH and myself have had many operations and we truly appreciate the cover. We are lucky to afford it and we also keep it for tax reasons.

#88 laridae

Posted 17 November 2019 - 06:54 AM

View Postkim27, on 12 November 2019 - 06:15 PM, said:

Problem is, some people just buy junk policies with huge excesses to avoid the levy and just go public anyway. Only winner there is the health insurance companies.
Actually, public hospitals can benefit from that. If you go private patient in a public hospital, there is usually no gap, they will (depending on hospital) cover your excess, and they get the funding from a different budget. So it works out pretty good for them.

#89 Sabine75

Posted 17 November 2019 - 08:03 AM

I will hang on to mine as long as I can.  living regionally specialists are far and few - I value choice in both the surgeon (they are not all the same), and getting it quickly with no wait.

#90 panda eyes

Posted 17 November 2019 - 09:48 AM

View Postlaridae, on 17 November 2019 - 06:54 AM, said:


Actually, public hospitals can benefit from that. If you go private patient in a public hospital, there is usually no gap, they will (depending on hospital) cover your excess, and they get the funding from a different budget. So it works out pretty good for them.

My youngest has had half a dozen day admissions this year for allergy testing. We're there for about 6 hours, get exactly the same service as everyone else but the hospital gets to claim about $300 from my phi if we use it. I figure every bit counts and I'd rather my premium support a public hospital if possible!

#91 MadMarchMasterchef

Posted 19 November 2019 - 07:11 PM

Ideally we would like to have it but cant afford it at the moment. The loading makes it much harder to achieve. We couldnt afford it at the time we turned 30.

Edited by WannabeMasterchef, 03 December 2019 - 08:58 AM.





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