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  1. #1
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    Default Convince me I need private health cover

    Our accountant has informed us we should get pvi for tax purposes. Personally I've never seen the point in having it - you seem to spend a heap of money just to have cover, but then whenever you need to use it you still have to fork out more money!

    Who are you with and why do you like them?

    what do I need to look for when signing up for cover?

    TIA :thumbup:

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    I'm with HCF, they have really good rebates on dental, which is the main use for us. But no, I don't like any of them (health funds) really, if you want absolute top cover you pay thru the nose each month.

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    Default Convince me I need private health cover

    If you don't think you will use it, then just get the most basic hospital cover only with a $500 excess to reduce premium (any more than this and you won't get the tax break). If its going to save you money at tax time then it's worth it.

    Otherwise if getting extras too, look at what you would benefit from - like dental, massage etc Bupa offers no-gap dental now for kids for example.

    I personally use mine very well, so over the course of a year it hardly costs me anything which is easier to take!

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    We only got PHI at the beginning of last year because we didn't want to pay more if we got it when we hit 31 and mainly got it so that if I have got pregnant, I could go to a private hospital. I have no idea about tax, rebates, etc etc..but I have found it really useful for my glasses and dental. However in June this year the most unthinkable thing happened to me and all I can do is be so thankful for PHI.
    I started experiencing stomach pains at the beginning of the year, but just thought bad gas or I had eaten something off. In June I suddenly got really intense stomach pains where I could not lay straight or walk - that was my only symptom and after riding it out for about 6-8 hours, it would go away, but my stomach would feel bruised. A few days later it happened again, so my husband raced me to emergency and within 3 minutes of arriving I was seen by a Dr, 15 minutes later was getting scans and 3 hours later I was in surgery. I had emergency surgery to pull my intestines out of my stomach! The surgeon had never seen anything like it - I needed full 24 hour attention and was kept in hospital for 5 days. I had the best care, my own room and the loveliest nurses and surgeon. All up, my my surgery and hospital stay would have cost about $25,000....I was out of pocket around $1500

    So for me.....I will always have PHI, I never thought in a million years something like that would ever happen to me - I have the most boring medical history...hence putting it off for months!!! I pay about $98 a fortnight and for me, I am happy to pay it - I know it is a lot of money, but so worth it!

  6. #5
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    Default Convince me I need private health cover

    I'm with defence health so that might not be an option for you. I'm on top hospital and top extras with no excess for just under $300 monthly. We only got it to have our children privately but since then our PHI has covered the unexpected like 3 c-sections, gall bladder removal, 2x tonsillectomies, 5x grommet surgery, $8000 insulin pump plus many hospital stays and we've been out of pocket probably $1000 for all of that..

    For us we couldn't live without it.

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    Default Re: Convince me I need private health cover

    Quote Originally Posted by Cheerilee View Post
    We got private health cover this year for the same reason. We got cover with medibank with mid level hospital and basic extras. I have just found out that my children can go to the dentist and there will be no gap whatsoever! I am happy with that.

    What is important to you? Or if it is just for tax purposes you can just get the basic hospital.
    We don't have kids yet, with the first expected in June. So obviously it's too late for private care for this pregnancy, although my gp advised me that private/public pregnancy care makes no difference in this town...

    I currently wear glasses and contacts so I'd like that covered and down the track I'd like to look into lasiks.

    For a young couple we're on heaps of medication, so if I can get that cheaper it would be handy.

    I have crohns disease, so I also wouldn't mind if my specialist was covered.

    I think that's mainly it when it comes to what's important to me.

    Quote Originally Posted by MissXamA View Post
    I needed full 24 hour attention and was kept in hospital for 5 days. I had the best care, my own room and the loveliest nurses and surgeon. All up, my my surgery and hospital stay would have cost about $25,000....I was out of pocket around $1500
    This is what confuses me, wouldn't that have cost nothing if you were public? I've had surgery as a public patient, which cost me nothing. The only thing being private would have changed is the waiting list, but it wasn't a long wait anyway and emergency surgery happens straight away anyway doesn't it?

    Thanks for all your help everyone!

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    Default Re: Convince me I need private health cover

    For another perspective- we were told we would save having PHI rather than pay extra tax, but it wasn't a huge difference for us, and really I would prefer to pay more taxes that goes back into the system than pay a private company to save a few bucks.

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  10. #8
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    Quote Originally Posted by Disbride View Post
    This is what confuses me, wouldn't that have cost nothing if you were public? I've had surgery as a public patient, which cost me nothing. The only thing being private would have changed is the waiting list, but it wasn't a long wait anyway and emergency surgery happens straight away anyway doesn't it?
    That's my understanding as well. Wouldn't you have gone to an Emergency Room at a public hospital as well?

    I'm on the lowest cover - so covered for any sort of elective surgery apart from heart related, psychiatric and something else that I can't think of but wouldn't effect me either. Not covered for pregnancy at the moment, as I'm a midwife so pro-midwifery care as it is, but would look into further down the track if it looked like I would be needing extensive fertility/pregnancy care as opposed to low risk care.

    Also quick question (sorry for going off topic) would private gynaecologist come under pregnancy/fertility related or is seen as a everyday health service?

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    Default Convince me I need private health cover

    Quote Originally Posted by Disbride View Post
    We don't have kids yet, with the first expected in June. So obviously it's too late for private care for this pregnancy, although my gp advised me that private/public pregnancy care makes no difference in this town...

    I currently wear glasses and contacts so I'd like that covered and down the track I'd like to look into lasiks.

    For a young couple we're on heaps of medication, so if I can get that cheaper it would be handy.

    I have crohns disease, so I also wouldn't mind if my specialist was covered.

    I think that's mainly it when it comes to what's important to me.



    This is what confuses me, wouldn't that have cost nothing if you were public? I've had surgery as a public patient, which cost me nothing. The only thing being private would have changed is the waiting list, but it wasn't a long wait anyway and emergency surgery happens straight away anyway doesn't it?

    Thanks for all your help everyone!

    Sent from my GT-I9305 using BubHub
    I could have - but I would not have had my own room and with the surgery I had, my recovery was quite embarrassing. If it was just overnight, maybe I wouldn't have minded sharing, but I guess it depends on you. For me, having my own room, especially if I have a baby, is important for me and worth it- but I know many people who don't care, so I guess PHI isn't for them.
    A few years earlier I had to be rushes to emergency and wasn't seen for 13 hours and they wouldn't let me leave until I had been seen.

  12. #10
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    Ok I have always had top extras through medibank private. Free dental checkups, two free cleans each per year. Optical discounted massively. Etc. DP had to have a filling recently $30. If DS needs braces in future this will save us thousands.

    we recently signed up for hospital. Just recently because we assumed we'e young, why do we need it. Well.... I need gynae surgery and my options were wait 12 months in public system, or fork out $3000 - $2000 of which being for the use of the hospital bed!!!!!

    if you have chrohns there is a chance you will need procedures, and often it's either wait or pay. If I had the insurance before my problems began I would have been up for $500 instead of $3000.


 

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