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If you’re looking at getting health insurance for the first time, we know it can be a little overwhelming. We’ve put together a handy guide to help you make the best decision for your circumstances.
What is Health Insurance?
Private health insurance lets you have more control over your treatment if you need to go to hospital or use other medical services. While Medicare covers you for treatment in a public hospital, private health insurance lets you choose to be treated in a private hospital, what doctor you see and when you are treated. It also helps reduce the cost for many of those services not fully covered by Medicare like dental, optical and physio.
There are two parts to health insurance: Hospital cover and Extras cover. At CUA Health you can choose Hospital cover, Extras cover, or a combination of both.
The benefits of having private health insurance include:
- Shorter wait times for surgeries
- Your choice of doctor and hospital
- Financial peace of mind
- Tax benefits
Aren't I covered by Medicare? Show content
Public vs private hospitals - what's the difference? Show content
Are there tax benefits with private health? Show content
How does it work?
When you take out health insurance for the first time, you’ll choose whether you want Hospital cover, Extras cover or a combination of both. You’ll select how much of an excess you’re willing to pay for Hospital cover and what level of Extras cover you’d like. Some waiting periods will then apply before you can make a claim.
When it comes to receiving medical treatment, it’s always a good idea to ask exactly what fees you may have to pay for yourself up front.
Joining and membership
Once you’ve taken out a CUA Health policy, we’ll send out your CUA Health card. While you’re waiting for your card, register for Online Services and download the CUA Health Mobile Claiming app for fast claiming.
Going to hospital
If you ever need to have surgery or are admitted to hospital, provide them with your CUA Health policy details and we take care of everything directly with the hospital – so you just need to focus on getting better.
All you’ll need to do is sign your claim form and pay your excess payment to the hospital.
Claiming on Extras
When it comes to payment, if they use HICAPS you can claim on the spot by swiping your CUA Health card. All you’ll have to do is pay the difference.
Otherwise, pay your bill then make a claim online, on your mobile, in a branch or by mail. Online and mobile claims under $300 are assessed immediately and the funds transferred to your bank account.
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Waiting periods explained Show content
What cover is right for me?
It really comes down to how healthy you are, what you’ll use and what’s important to you. If you are over 31 or earn more than $90,000 a year as a single or $180,00 as a couple or family, you should consider Hospital cover to avoid paying the Medicare Levy Surcharge and the Lifetime Health Cover Loading.
If you use health services like optical, dental or physio, have a look at the full list of services covered by Extras and consider if it’s right for you.