7 ways to get more from your private health insurance
Are you getting the most from your health cover? Here are 7 ways to maximise your private health insurance.
1. Review your hospital cover
Does your hospital cover still fit your needs? If you can’t say yes with confidence, you could have more cover than you need, or worse, not have enough cover.
There are a few ways to review your hospital cover. Use our website tool to explore our cover options, ask yourself these questions or contact our team. While you’re at it, check your extras cover as well.
If you don’t have hospital cover, now is a good time to explore what’s available.
2. Use your extras
Speaking of extras, isn’t it time for a massage? Your body says yes!
If you have Peoplecare extras, keep in mind that it’s there to help you look after your health. Your job is to know what your policy entitles you to and make the time to use your benefits.
So, what are you waiting for? Book that gap free check up and clean⎋ and get those new glasses⎋.
3. Make the most of member perks
We're all about your health and wellbeing. That’s why we give you access to a range of perks to help you care for your health.
Get serious about your eyewear with discounts at OPSM, Specsavers, Laubman&Pank, Bailey Nelson and Peoplecare Optical and Dental.
Get peace of mind when you travel with Allianz Global Assist travel insurance.
4. Use our health programs
Health Management Programs - Your extras cover can help with the cost of certain health programs, equipment and screening services~. Think fitness programs, swimming lessons, weight management programs, and more.
Nourish Baby - Self-paced online courses to help prepare expecting and new parents for baby. Available to members who have hospital and extras combined cover^.
Healthy Weight for Life - An 18-week program designed to maximise your overall health and quality of life. It’s offered to members with hospital cover who meet the criteria*.
The Cancer Support Program - Delivered over 3 to 4 months, this program helps you manage your cancer symptoms and treatment side effects from home and is offered to members with hospital cover who meet program criteria#.
Mental Health & Wellbeing Service - Connects you with hassle-free support for anxiety, depression, and more – when you need it. It’s fully digital, so you can log in from anywhere>.
Discover more health programs.
5. Save on tax
High income earners with private hospital cover don’t need to pay the Medicare Levy Surcharge (MLS) at tax time. Singles who earn over $101,000 and families that earn over $202,000 (in the financial year) need hospital cover to avoid the MLS, however, for families, the income threshold for each tier is increased by $1,500 for every child after your first.
Find out more.
6. Avoid Lifetime Health Cover loading
Ensure you get hospital cover before you turn 31 and you’ll avoid paying 2% more for cover for every year that you’re over 30. Lifetime Health Cover (LHC) rewards you financially for taking out private hospital cover earlier in life and keeping it.
7. Go digital
Finally, keep the Peoplecare app on your phone’s front page, or bookmark Online Member Services so you can see it often. Keeping our time-saving digital tools handy means you can easily manage your health insurance, from submitting claims to checking your benefit limits.
Plus, we recently made an update to our digital services. Members over 16 can now access a digital membership card and have a more personalised experience. Find out more.
Learn more about Peoplecare Health Insurance.
⎋Terms and conditions apply.
~You need to have extras cover and have served your 6-month waits to use Health Management Program benefits.
^The waiting period for Nourish is six months of continuous cover.
*The waiting period for Healthy Weight for Life is six months of continuous cover.
#The waiting period for The Cancer Support Program is 2 months of continuous cover.
>The Mental Health & Wellbeing Service is available to members with an active and financial policy at the date the service is received. Not available on OSHC Extras Only or Ambulance Only cover.