What is Health Insurance?
Health insurance is insurance against the risk of incurring medical expenses among individuals.
What Health Insurance cover?
Private health insurance cover is generally divided into hospital cover, general treatment cover (also known as ancillary or extras cover) and ambulance cover. Ambulance cover may be available separately, combined with other policies, or in some cases is covered by your state government.
Hospital cover
With hospital cover you have the right to choose your own doctor, and decide whether you will be treated at a public or a private hospital that your doctor attends. You may also have more choice as to when you are admitted to hospital.
General Treatment Cover
General treatment cover (also called ancillary cover or extras cover) provides insurance against some or all costs of treatment by ancillary health service providers. The extent of your cover depends on the type of policy you select and may include services such as:
- dental treatment,
- chiropractic treatment,
- home nursing,
- podiatry,
- physiotherapy, occupational, speech and eye therapy,
- glasses and contact lenses,
- prostheses (e.g. hearing aids).
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