Health insurance a to z

Waiting periods & pre-existing conditions (PEC)

Waiting periods for Hospital and Extras covers and pre-existing conditions rule for Hospital covers are explained here.

Why have private hospital insurance?

It’s a fair question – the public system is free, so why not just use that? It’s completely up to you, but we can think of a few reasons.

Time to get your own cover?

Public hospitals are free, so why would you pay to go to a private hospital? For one thing, waiting. A lot of people use the public system, so you can be waiting months (or longer) to get the treatment you need, especially if it’s not urgent.

Who pays?

The health system can be confusing so it’s hard to be sure who pays for what. Let’s try to clear up those murky money waters.

Public vs private

What’s the deal with private hospital cover? Should you ever go public? Let’s break down the two options and what they really mean.

How to read your PHIS

The Private Health Information Statement (PHIS) is a summary of the key features of your cover in the government’s standard format.

Ultimate tax guide

Imagine how much less fun New Year would be if you had to do your taxes at the same time? Boo!

Thankfully the Australian financial year ends June 30. We send your tax statements to the ATO for the financial year in the second week of July, so you can get cracking on your tax return then.

Clinical categories and Extras services

Have you ever wondered the difference between Hospital and Extras

The government’s clinical categories for private hospital insurance are all here, along with our own Extras services categories to help you see what you can be covered for on our Hospital and Extras products.