Private health insurance in Australia
Private health insurance provides insured individuals with added
benefits on top of those they would obtain from Medicare alone,
including choice of doctor, choice of hospital and choice of timing
There are two main types of private health insurance:
- Hospital - Hospital policies help cover the cost of in-hospital
treatment by your doctor and hospital costs such as accommodation
and theatre fees. Generally, medical services listed under the
Medicare Benefits Schedule (MBS) are covered by private hospital
- General treatment (also known as ancillary or extras cover) -
provide benefits for non-medical health services such as dental,
optical and psychological treatment.
Individuals with private health insurance can choose to be
treated as a private patient in either a public OR a private
Private health insurance in New Zealand
Private health insurance gives the advantage of being able to
choose a healthcare professional and allows insured individuals
more control over when and where they are treated.
There are two main types of policy:
- 'Comprehensive Cover' which coveres all
medical costs including GP visits and
- Policies that cover specific combinations
of specialist care and elective surgery.