Getting health insurance for the first time?

Posted: May 20 2021

Private health insurance can be pretty confusing – especially if you’re buying it for the first time. So why get hospital cover when there's a public system? Here we outline some of the most common reasons.

The reasons for choosing Hospital Cover can be varied, however there are a few common trends that are motivating people to take out cover, even when they have access to a good public health system.

Jump the queue

With Hospital Cover you can avoid long public hospital waits, which can take months or even years, by choosing your own doctor and timing for treatment.

Recover in the privacy of your own room

All levels of hospital policies cover you for a private room, where one is available, giving you comfort and privacy during your recovery.

Have the same specialist care from start to finish

Continuity of care is something that can’t be undervalued.

Choose your own specialist

You get to choose your own specialist, as well as where and when you’ll be treated.

Taxes, loadings and discounts

Up to 10% off Hospital Cover for Members Under 30

We’ve made hospital cover more affordable for 18 to 29 year olds, and we couldn’t be happier. Youth Discount is added to all hospital products for new and existing members.

There are also government initiatives that are motivating people to take out cover.

The Lifetime Health Cover loading (LHC) – The LHC loading is designed to encourage people to take out hospital cover earlier in life. If you don’t have hospital cover by July 1, following your 31st birthday, you’ll pay an extra 2% for hospital cover when you decide to take it out. Each year you delay, your loading increases by 2%, to a max of 70%. For example, if you join at 35 you’ll pay 10% more for the same policy, compared to someone who joined at 30.

The Private Health Insurance Rebate – This other Government initiative is designed to make private health insurance more affordable. Based on your age and income, the Australian Government will pay a contribution to help you manage the cost of your premiums. You can claim the rebate as either a reduction in your premiums or through your annual tax return.

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Let’s chat about your situation and whether you’d be better off. We’re here to help you understand health insurance, let’s talk.

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Posted: May 20 2021


The information contained here is of a general nature and does not take into account your personal medical situation. The information is not a substitute for independent professional medical advice and is not intended to diagnose, treat, cure or prevent any disease or used for therapeutic purposes. Should you require specific medical information, please seek advice from your healthcare practitioner. Health Partners does not accept any liability for any injury, loss or damage incurred by use of or reliance on the information provided. While we have prepared the information carefully, we can’t guarantee that it is accurate, complete or up-to-date. And while we may mention goods or services provided by others, we aren’t specifically endorsing them and can’t accept responsibility for them.

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