Health Insurance

Why Private Health Insurance is important

Having private health insurance provides the peace of mind that comes with knowing you are covered for the best available medical treatment when and if it becomes necessary.

Private health insurance also:

• Gives you the option of being treated by your own doctor
• Means shorter waiting times for elective surgery
• Allows for more control over when and where to be treated
• Helps with services not covered by Medicare such as chiropractic, dental,
• physiotherapy, optical and alternative therapies etc.
  

Choosing the right Private Health Insurance cover

With so many products on the market today, choosing the cover that is right for you can be daunting. Some of the questions that need to be answered effectively are:

• Can I go to my preferred doctor/ hospital
  
• What additional medical expenses will I have to pay
• How long do I have to wait before I am covered
• If I change funds, do I lose my entitlements
• Will I have loading applied to my premium
• Do I have to pay the Medicare Levy Surcharge
• Are there exclusions or restrictions on my chosen cover
• Which cover will provide the best fit for my needs
• What Government rebate am I entitiled to
• Are the services and rebates on my cover providing good value for money

At Fitzpatrick Life Services, we are Insurance Code of Conduct accredited with multiple health funds and are well placed to provide recommendations on all matters in this area. The Private Health Insurance Code of Conduct was designed by the Government to providing clear information and transparency in matters relating to health funds.

We can provide advice and assistance with securing health insurance cover that is both cost effective and best placed to suit your lifestyle.

We can also assist in comparing your current health insurance cover with your needs and requirements to provide a range of health insurance options.