Hi, it’s Dr. Ginni Mansberg, GP and health commentator in the media. Today we’re talking about why you might need private health insurance. Australia is lucky enough to he an excellent medical system that helps you access healthcare for many medical problems.
At the same time, the federal government strongly encourages those who can to take out private health insurance as well. If you don’t he private health insurance and you earn above a certain threshold, you’ll pay a Medicare Levy Surcharge on your tax return. On the other hand, the government offers rebates on the premiums for some of us who do take out private health insurance. Your private health insurance is there in case you need it.
It’s there for those events that most of us don’t see coming. A tooth extraction, a busted knee or radiotherapy for cancer in an emergency, you’re covered through the public system. But if you need access to allied health professionals, reduced waiting times for surgery or you want treatment in a private hospital, hing private health insurance could be really beneficial for you and your family. In Australia, There are over 30 insurers offering over 3,000 different health insurance products and it pays to shop around before you jump in.
Health insurance is not a one size fits all solution, and it’s worth getting some help to find the policy that’s right for you. Chat to the experts about whether private health insurance is a good option for you. And which one best suits your needs.