You dont really need private health cover

We have a very good public health care system in Australia, but it does come with certain limitations. Australian residents can receive free treatment in public hospitals for a vast range of things, and if you're happy to be treated by a doctor you don’t know, in a hospital you may or may not be happy with, whenever a place becomes available for you, then maybe private health cover isn’t for you.

But if you like the feeling that comes with knowing you have options when you need them, private health cover can be the ace in your back pocket giving you the ability to choose or change your doctor, choose your hospital, and choose when you have treatment.

It’s not all about hospital cover though, with extras cover you can claim benefits for a huge range of health-related products, services and treatments that aren’t covered by Medicare at all, such as:

• visits to the dentist
• glasses and contact lenses
• psychology
• chiropractic and physiotherapy treatments
• prescription drugs on the PBS list
• health aids, such as blood glucose and blood pressure monitors
• natural therapies, like remedial massage, naturopathy and acupuncture

And don't forget about ambulance transportation, which a lot of people assume is covered by Medicare. It isn’t. Unfortunately, the first time many people realise this is when they’ve had to use the ambulance service and receive a hefty bill in the mail a few weeks later.

When you also consider that private health cover can exempt you from paying the Medicare Levy Surcharge, lock in your Lifetime Health Cover Loading, and that the government will pay a minimum of 30% of the cost of your cover, then you realise that having private health cover can be very good for your financial health, too.

^{Please read our information carefully
While you are making your decision about whether to join rt health fund, and which cover is best for you, it is important that you read (and retain for future reference) this brochure and any other materials that we might send to you or refer you to.}