Skip to content

How to use health insurance for psychiatric care 

Around 43% of Australians will experience a mental health disorder in their lifetime, and some may need to be hospitalised for treatment. While treatment in public hospitals is free under Medicare, our mental health services are under enormous strain, so you might consider using your health insurance for psychiatric care in a private hospital or psychiatric facility for faster treatment. According to the Australian Institute of Health and Welfare, in 2023-24 around 21% of overnight…

What’s the difference between an excess and a co-payment? 

If you’re admitted to hospital as a private patient, your insurer won’t pay the entire bill for your treatment. As well as the Gap, which is determined by your doctor and your insurer, you’ll also need to pay an excess and possibly also a co-payment, determined by your policy. So what’s the difference between these…

Does health insurance cover vasectomy? 

If you’re looking for a permanent form of male contraception, vasectomy is one option to consider. A vasectomy is a surgical procedure which involves cutting the tube connecting the testes with the penis. Here’s how much a vasectomy costs, and whether you can use health insurance to cover the procedure. How much does a vasectomy…

Is Couples health insurance cheaper than Singles?

If you’re living with your partner, you might consider joining your health cover into one policy. But while a Couples policy might simplify your household expenses, it won’t save you any money. In fact, having separate Singles policies might work out cheaper. Here’s why…. Is Couples health insurance cheaper than Singles? No. One health insurance…

Choosing private health insurance for elderly parents 

When your parent, or parents, need additional care to stay well, your family will face a lot of decisions. Amid these changes, you might be wondering about private health insurance for elderly parents – whether it’s needed, and where to find the right policy. Here are the answers to the most common questions about choosing…

How to get laser eye surgery on private health insurance 

If you find wearing glasses or contact lenses annoying or impractical, laser eye surgery might seem like the right decision for you. According to Optometry Australia, around two-thirds of Australians wear prescription glasses and 13% wear contact lenses. If you’re among that number and your optometrist has suggested laser surgery, there’s lots to weigh up…

Are health insurance promotions and deals worth it? 

Health insurers are always keen to attract new members, especially when the annual 1 April price increases are announced. You might have seen ads promoting waiting periods being waived, a certain amount of membership weeks for free, or even gift products like retailer gift cards. But are these health insurance promotions and deals worth it,…

How health insurance Gap cover schemes can save you money 

When you’re claiming private hospital treatment on Hospital Cover, you probably assume all your costs will be covered – so it can be a bit of a shock to learn you might have to pay a Gap (out-of-pocket costs). Fortunately, health insurance Gap cover schemes – offered by many insurers – can help you reduce or eliminate out-of-pocket costs. Here’s how they work. Why do Gaps exist? Gaps happen when doctors charge more than the Medicare Benefits…

Policies change monthly, stay informed

Subscribe to stay informed. Insurers regularly update policies, introduce new policies and close policies. Our data is updated monthly.
See our Privacy Policy for information on how we protect your personal information.
Thank you for subscribing!