Health Insurance Guide
Find out more about private medical insurance, how it works, and how it can help you and your family or your business.
What is health insurance?
Health insurance is also known as private medical insurance (PMI). It offers peace of mind that, if you or a family member fall ill, you could get treatment in a private hospital. This way, you avoid long waiting lists and the insurer can pick up the costs*.
How does medical insurance work?
You pay a monthly or annual premium and your provider will cover the costs of your medical bills. This can include treatment, surgery and tests for acute medical conditions. It’s important to understand that certain limits, restrictions and exclusions may apply, including for pre-existing and chronic conditions.
What does health insurance cover?
Any health insurance policy includes some sort of inpatient benefit that covers your medical bills when you are admitted to a hospital. Many private medical insurance policies can also include benefits like:
Outpatient Cover
To pay for tests and consultations that don’t require overnight stay in hospital, like blood tests, X-rays, MRI and CT scans.
Cancer Cover
Some health insurance policies can cover you from diagnosis and screening to treatment, therapies and palliative care.
Online GP Services
With this service, you can book virtual consultations with a private GP from the comfort of your home.
Choice of hospital
Some policies have a list of hospitals you can use. You can choose any hospital on this list for your treatment.
Private hospital room
When admitted to a private hospital, you will usually have access to a private room with an en-suite bathroom and TV.
Optional benefits
Such as physio and alternative therapies, dental and optical, and mental health cover.
Have any questions ?
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*Some medical and pre-existing conditions may be excluded.