It's a good feeling knowing you will be covered in the event of a hospitalisation. But if you are like many Australians, you may find health cover more than a little confusing. Don't panic, you're not alone. Here is a list of things to look for when checking out private health cover:
1. Wide range of products
- your health fund must offer a comprehensive range of hospital and ancillary products to suit people of all ages and lifestages, from young singles, to families and empty nesters.
2. Competitive pricing
- excellent value for money and competitive pricing are a must.
3. Excesses
- you should be offered the option of paying an excess in the event you are admitted to hospital in return for lower premiums.
4. Generous Benefits and Higher Limits
- compare the benefits offered by health funds and select the fund with the most generous benefits and higher yearly claim limits.
5. No waiting periods
- your chosen health fund should waive the normal two month waiting period for new members for most extra benefits. Waiting periods for pre-existing ailments and obstetrics services may still apply.
6. Health Management Benefits -
your preferred health fund should be committed to helping its members stay fit and healthy. Look for a fund that pays benefits for fitness classes, quit smoking courses, weight management programs and for natural therapies like acupuncture and remedial massage.
7. Priority Customer Service
- quality customer care is important to members when claiming in times of distress, so choose a health fund with a proven commitment to quality service.
8. Accident & Unemployment Insurance
- you will appreciate the extra peace of mind knowing you are covered in the event of an accident or involuntary redundancy.
9. Track Record of Success
- make sure that you choose a health fund that will be there in the long run. A health fund with a long history of serving its members from a strong financial base should always be your first choice.
10. Private Hospital Network
- a health fund should have an extensive network of private hospital and day surgery contracts throughout Australia.
Police Credit Union together with Manchester Unity have a specially tailored Health Plan. Manchester Unity provides a comprehensive choice of Hospital and Extras cover, with prices to suit all budgets and lifestages. For more information on the Health Plan and cover options, please call 1800 007 654 or email pcu@manchesterunity.com.au.
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