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What is private health insurance?

Private health insurance helps cover the cost of some medical treatments. It can help you avoid wait times for public hospitals, offset the costs of health services not covered by Medicare, and allow you the flexibility to choose your doctor.

There are two parts to private health insurance – Hospital and Extras cover (which can be purchased together or separately).

Hospital cover helps pay for in-hospital costs such as surgery, anesthesia, private rooms, and theatre fees for services included in your Hospital cover. Your out-of-pocket costs will vary according to the Hospital cover you select, the Hospital excess you choose, your health fund, the medical professionals required, and the procedure involved.

Extras cover helps pay for out-of-hospital treatments like going to the dentist, optometrist or physio.

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