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Health Insurance Critical Illness


While private health insurance might seem like an unnecessary expense when you’re healthy, if you experience a serious illness or injury, having the right health insurance becomes absolutely essential.

Treatment for serious and chronic health conditions is usually available under Medicare, but unfortunately going through the public system often means a limited choice of care providers and potentially long waiting lists for hospital treatment.

If you have a critical or serious illness that affects your ability to work, waiting for months to be treated can impact not just your health; it can affect your financial stability and your family’s lifestyle. Your ability to access affordable treatment through your health cover can mean the difference between getting back to work sooner, or having to take an extended period of time off.

If you’re not sure whether your health insurance covers you for serious and critical illnesses, why not have a chat to Choosewell today and compare critical illness cover to see which cover is right for you.

Our experienced health insurance consultants can review your policy and evaluate your health insurance needs so you can make sure you have enough cover to protect you if something unexpected happens.

How can private health insurance help in cases of critical illness?

While private health insurance is different to trauma insurance (which is a type of life insurance), there is still plenty your private health insurance can do to help alleviate the financial burden of medical treatment for a serious illness.

The treatment costs for a serious illness like cancer can be incredibly high and without private health insurance, the only option for many people is to go through the public system. This can mean longer waiting lists for treatment and in some cases, limited options as to how and where you are treated.

Being diagnosed with a serious illness is stressful enough as it is. The last thing you want is to have to limit your treatment options. If you have private health insurance you can claim for part or all of the costs of your hospital treatment, and you may have affordable access to private as well as public hospitals and specialists.

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Can private health insurance help me if I’m injured?

If you’re seriously injured you may need hospitalisation, or you might need to undergo one or more procedures. You may also want to access other services like physiotherapy and occupational therapy to help you recover so you can get back to work quickly.

While some services are available on Medicare, there are often limits to how much is covered and which services you can access through the public system. Private health insurance can give you cover for an increased range of services along with hospital cover so you don’t have to wait for a procedure in a public hospital.

If you’re injured and unable to work, the last thing you want is to have to think about how you’re going to pay the hospital costs for treatment and rehabilitation, or wait longer than necessary for an essential procedure.

Having the right cover on your private health insurance can help you recover more quickly from a serious injury and get the treatment you need sooner rather than later.

If I switch policies will I have to wait to claim for treatment?

If you’ve recently experienced a serious injury or have been diagnosed with a critical illness, your current policy might not be enough to cover the costs of treatment.

Major illnesses and accidents can happen when you least expect it, and if you are young and healthy, or if you’ve been focusing on other priorities like family, you might not have considered getting cover for major hospital treatment or extras cover for rehabilitation services on your existing policy.

While it may be a good idea to switch to a health fund and policy that will help you meet the costs of your treatment, it’s also important to be aware that most health funds impose waiting periods before you can claim higher benefits for pre-existing conditions.

A pre-existing condition is defined as any ailment, illness or health condition that was diagnosed, or you’ve shown symptoms of within six months prior to taking out the policy or increasing your cover. Normal waiting periods are two months. Waiting periods for maternity and pre-existing conditions are a year so it’s important to check any new policy carefully to make sure you will be able to claim in the timeframe you want to.

Pre-existing conditions and waiting periods can be confusing and it’s important that you understand what you’re covered for when you’re switching to a new policy.

To get in touch with an experienced health insurance expert about changing or upgrading your policy, give Choosewell a call. We can talk through your situation and your options to find you the best policy to suit your needs.

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What’s the difference between Trauma Insurance and Private Health Insurance?

You may have heard about trauma insurance (also known as critical illness insurance) as a way to help protect yourself and your family financially in the event of a serious illness. While trauma and health insurance are both intended to help ease the financial burden that comes with a serious injury or critical illness, they are separate types of insurance.

Trauma Insurance is a type of life insurance that pays out a lump sum to the policyholder in the event that they are diagnosed with one of the serious illnesses covered by the policy or are significantly injured. The lump sum payment can be put towards current debts (for example the mortgage), or enable the person to take some time off work and focus on recovery.

Health insurance is intended solely to help with health care costs, treatment and hospital procedures. While you will be able to claim for the cost of eligible treatment, the amount will depend on your policy and its limits. Health insurance benefits are paid for specific health care costs rather than as a lump sum payout.

If you are interested in finding the best critical illness insurance policy, it’s a good idea to shop around. As with any insurance it’s always a good idea to compare critical illness insurance to find the best policy for you.

To get advice about private health insurance or to switch to a health insurance policy that will help you cover your costs for treatment of serious illness and injury, get in touch with Choosewell today!

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