Why have private health insurance?

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1. Waiting

Like ripping off a Band-Aid, you want your hospital stay over with as quickly as possible. At a public hospital you’ll be put onto the public waiting list, which could mean waiting months (or more) for your procedure. Even on the day you could be bumped if there’s an emergency.

You could be waiting:*

  • 52+ days for a hysterectomy
  • 93+ days for cataract surgery
  • 104+ to have varicose veins stripped
  • 114+ days for a total hip replacement
  • 120+ days to have tonsils removed
  • 188+ days or a total knee replacement

And 50% of people will wait even longer than that.

With private health cover, you’ll be in hospital as soon as your doctor’s ready.

2. Choosing your own doctor

It’s important to feel comfortable with your doctor, and private hospital cover lets you choose who treats you.

In a public hospital, you’ll be treated by the doctor on duty.

3. Access to the best

Your choice of both public and private hospitals so that you can have access to the latest and greatest facilities and technology when you need them most.

I’ll just put money away and pay for it myself

You might be surprised just how much a hospital stay can cost. To give you an idea, here are just some of the hospital bills we’ve paid for our members in 2015-2016:

  • $35,000 for a 26-year-old to have a baby
  • $78,000 for a special unit stay for a 56-year-old after heart surgery
  • $140,000 for a 67-year-old who was treated for a bad infection

Again it’s completely up to you, but you might want to get that money tree planted just in case.


*Source: Australian Institute of Health and Welfare, Elective surgery waiting times 2015-16: Australian hospital statistics

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