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Is private health insurance worth the cost?

Someonesomething said:
I've got private health insurance for the extras but now that I've gotten my wisdom teeth out im not sure why I'm still with them
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Depends if you are working or not you are still on a waiting list private or not all you get is a private room and a choice of doctors most important is you get dental coverage try eat a steak or peanuts with no teeth have you seen the the latest bunch of dodgy doctors they have at the hospital's health system needs a good shake up.
 
Ancillaries is probably no but you have to drop it completely and then put the money you would have spent somewhere where you can get access to some of it ie mortgage offset account.

I found this out after reading a newspaper article and then added up my last 2 years of claims. Paid $6000 to get $4000 back.

My very expensive dentist said few people work this out for themselves (and then gave me a 10% discount).
 
Not worth it in my opinion. Medicare tends to cover the absolute essentials. But it probably depends on your health needs
 
I find it necessary for me having had two joint replacement surgeries and other smaller operations. It is costly item on the monthly budget but for convenience and no waiting for a spot it is worth it.
The cost can be brought down by applying a excess, for me health insurance essential.
 
Are you working full time? If you are it's tax effective to have private health insurance.

Goodstuff36 said:
have you seen the the latest bunch of dodgy doctors they have at the hospital's health system needs a good shake up.
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No I haven't. Are they covered in tattoos, originally from third world countries or worse?
 
In ANY country, 70% of the nation's health budget is spent on 15% of the population and that 15% is aged 63 years old and above. Why? Because that's when the human body starts to degenerate and procedures like hips operations, angioplasty, heart bypasses, cancer treatments and other ailments come into play.

If you go by the public health system, you're kidding yourself in some ways because the queue for surgeries is kilometres long, worsened by an increasing aging population and COVID which delayed many surgeries. Remember while waiting for the public health system to get to you is not simple - you're looking at living in a world of pain and discomfort in the leadup to it.

Few health insurance companies make money, in fact none in Australia. That's why many diversify into car, property insurance etc which does make money and thus keep afloat. HBF e.g. is a non-profit company, a surgical team of anaesthetist, nurses, pre-op and post-op and a surgeon will NEVER be covered by health insurance premiums. But it means, by being insured, you won't be on a year or two year long waiting list of pain, pain and pain. And if you're a heart patient good luck if you are alive when it's your turn.

You NEED health insurance, tailored to your budget. You won't be sorry, believe me, especially as you get older. Qualifying times stop people who expecting to get ill and then join up just days before procedures.

Quality of care? Okay, I have seen the public health system IF and only IF you're lucky enough to get in and warded. The beds, the care etc is VERY impressive. But the minute you show a hint of recovery, you'll be discharged so the bed can be used for someone else and then some months later you'll be back due to a relapse as you were discharged too early. Private care means you don't wait for a procedure BUT there are things lacking e.g. patient to staff ratio isn't as high, your beds aren't as comfortable as they're used to 'til they just can't be used any more. An ailing mother of a friend of mine went to a private hospital in Perth, her arm had been operated on. The nursing staff plonked the food on her bedside tray and walked off. The patient couldn't cut the meat and so on and called for assistance. A person turned up and said she'll be back to help but it was a good half hour later. At least she got her operation though.

Finally, I encourage EVERYONE to get ambulance insurance at least. It's a pittance for what you'll pay if you're not insured. Go well all.
 
peartywerty said:
Are you working full time? If you are it's tax effective to have private health insurance.



No I haven't. Are they covered in tattoos, originally from third world countries or worse?
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"have you seen the the latest bunch of dodgy doctors they have at the hospital's health system needs a good shake up."

Anyone died from the treatment of these so called dodgy doctors? And local doctors aren't tattooed or dodgy then?
 
Private health insurance has saved my ass quite a few times now— I’m happy to pay for it knowing that I’ll be glad I had it when something pops up.
 
" .... is aged 63 years old and above. Why? Because that's when the human body starts to degenerate and procedures like hips operations, angioplasty, heart bypasses, cancer treatments and other ailments come into play"

Now there is a bright start to my day at work.
May have to go home to try and stay safe.
 
Channelle said:
" .... is aged 63 years old and above. Why? Because that's when the human body starts to degenerate and procedures like hips operations, angioplasty, heart bypasses, cancer treatments and other ailments come into play"

Now there is a bright start to my day at work.
May have to go home to try and stay safe.
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The truth is never pretty but not as ugly as a lie.
 
It is if you earn enough to enjoy the pleasures often discussed here, probably not worth it if all you can afford is to lurk and enjoy vicariously
 
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