Benefits Of Private Health Insurance

Why purchase private health insurance?

Avoiding public hospital waiting lists, saving on tax, having your choice of doctor—these are just some of the reasons why Australians take out health insurance. Health is the most important thing we have, and private health insurance offers benefits that aren't available under the Medicare system.

• Decreased wait times—If you require medical treatment, you want to be seen quickly. Private health patients are generally seen quicker than those in the public Medicare system.
• Greater selection of hospitals and practitioners—Having private health insurance means you can choose who is treating you, or your loved ones, and where.
• Private hospital rooms—Privacy allows you better rest and comfort when in hospital, and gives you more control over your stay.
• Avoid the public waiting lists for elective surgery—Many medical conditions are subject to Public Hospital waiting lists, and can leave patients suffering from discomfort and anxiety. Appropriate health insurance allows you to seek treatment in Private hospitals.
• Increased choice and control of your treatment—Private health insurance generally allows you to choose the time of surgery, your doctor, and the hospital (subject to availability).
• Additional care—Extras cover (also known as general treatment or ancillary cover) can include dental care, physiotherapy chiropractic work and a whole range of other services, which aren't covered under Medicare.
• Financial incentives—The Federal Government provides help in paying for private health insurance through a premium rebate to the majority of those with cover, while also penalising higher income earners who don't take out private health insurance via the Medicare Levy Surcharge.

Find the right cover at the right price

Whether you’re joining health insurance for the first time or are long term members simply looking for a better option, we can help you to find an appropriate cover to meet your requirements and budget.

We make it easy to choose health insurance by allowing you to pick the features you want. For example, if you are young and single and you might be less likely to be interested in cover for pregnancy, IVF treatment or hip replacement. But you might be keen to keep your options open on chiropractic, physiotherapy and remedial massage. Mix and match your private health insurance benefits You don’t have to buy your hospital cover and extras cover from the same health fund. By separating theses 2 policies, you will have a much broader range of options to choose from. With HICA’s help, you can often arrange each component with a different fund to give you more appropriate cover, better rebates and premium savings.

Save time - select and apply online

You can select appropriate cover and join online using HICA's easy Health Insurance Cover selector. If you want some assistance at any stage, simply call a HICA consultant for advice on 1300 44 2201.

Your Free Health Insurance Assessment and policy recommendation

If you prefer a personal approach, you can call one of HICA’s experienced consultants on 1300 44 2201 (cost of a local call) to discuss your health insurance requirements and have details of a recommended cover option forwarded to you. Alternatively you can choose to fill out our free Health Insurance Assessment form which you can either submit online, print, complete and return to Reply Paid 1000 Templestowe 3106 or fax to HICA on (03) 9431 4469

Once submitted, a HICA consultant will assess your requirements and review the details you provide, identify the most appropriate option for your needs and forward full details for your consideration. This policy information will generally be sent to you by post or email within 48 hours of receiving your assessment details.