Private health insurance offers many benefits. It can help you avoid long wait times when seeking medical advice or treatment, allow you to choose your own doctor or specialist, and reduce out-of-pocket costs. It can also help cover extras like dental, physiotherapy, and chiropractic services that are not covered by Medicare.
Here are some key benefits of private health insurance that you may want to consider:
1. Choice of doctor or specialist and hospital
Private health insurance lets you choose your own doctor or specialist and hospital for your treatment. This can be particularly important if you have a preferred doctor or specialist.
2. Shorter waiting times for elective surgery
Public hospitals often have lengthy waiting lists for elective surgeries. Private health insurance can help you avoid these wait times and get treatment sooner.
3. Access to a wider range of services
Private health insurance often covers a broader range of services than Medicare does, including dental, optical, physiotherapy, chiropractic care, remedial massage, and more. Accessing these services is dependent on the level of cover that you choose.
4. Private room in hospital
If you’ve been admitted to hospital, private health insurance can provide you with the option to request a private room if one is available, which can provide you with more comfort and privacy while undergoing treatment.
5. You could save on tax
You could avoid the Lifetime Health Cover loading (LHC), if you take out Hospital cover before 1 July, following your 31st birthday. If you haven't taken it out by then, a 2% loading will be added to the cost of your premium for every year you don't have private Hospital cover after this date.
You could also avoid the Medicare Levy Surcharge (MLS) which is a tax paid in addition to the Medicare Levy if you don’t have private hospital cover and your income is above a certain threshold.
6. Additional benefits for under 30s
If you’re aged between 18-29, you could get up to 10% off your Hospital cover premium, and keep it until you’re 41.
7. Peace of mind
Knowing you'll have access to private healthcare and potential financial support for medical expenses if you need it can give you peace of mind
Is private health insurance right for you?
Whether or not private health insurance is right for you depends on your individual circumstances and needs. Consider factors such as your age, health, budget, and the type of cover you need. Additionally, consider the peace of mind that comes with knowing you can access private healthcare and get the relevant treatment you need, when you need it.
Why you should consider Qantas Health Insurance
Firstly, if you're looking for quality health insurance that also offers Qantas Points, consider Qantas Health Insurance. We offer a range of cover options to suit your needs and budget, including Hospital, Extras, and combined cover. And because we’re Qantas Health Insurance, you could earn Qantas Points for initially taking out a policy as well as each time you pay your premium. Plus, Qantas Health Insurance members can earn points for doing everyday activities like walking, swimming, sleeping and more through the Qantas Wellbeing App.
Qantas Health Insurance is also backed by nib, which means you get access to their network of healthcare professionals who offer quality care and services at competitive rates. Search nib’s network of healthcare professionals and locate a provider near you by using our ‘Find a Provider’ tool.
Ready to make the switch? There’s no need to wait for your current policy to expire. You can switch at any time in a few minutes.
Choosing the right policy
If you're considering private health insurance and would like help choosing the right cover to suit your needs and budget, our Qantas Health Insurance team is here to help. Call us on 13 49 60, Monday to Friday, 9am - 7pm (AET), and they’ll be happy to chat you through your options. Alternatively, click here to get a quick Qantas health Insurance quote today.
Disclaimers
Qantas Health Insurance is issued by nib health funds limited ABN 83 000 124 381 (nib) a registered private health insurer, and is arranged by Qantas Airways Limited ABN 16 009 661 901 (Qantas), for which Qantas receives commission. The above general information is not personal advice and individual should consider their personal circumstances and consult an expert before making any decisions.
