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  1. #1
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    Default Private health - extras only or hospital cover too!?

    Help please! I feel like my head may explode!!

    And beginning to wonder if its worth it!

    I think for us extras - in particular dental is worth it as dentists are so expensive and can't be done through public system but not sure if hospital cover is worth it when the option of public is there.

    is there anyone with experiences of using cover and if they thought it was worthwhile? Only existing medical issues we have is hubby needs 6 teeth removed and our 1 year old has grommets and may need more down the line ( got them done last year, public with only a 7 week wait )

    We really can't afford full cover so not sure what to do. I've been quoted $72 fortnight nib for basic hospital and core extras..... Or for $32 fortnight can go extras only with higher yearly benefit limits....just really unsure if hospital cover will really b worth it or if its a bit of a rip off and when it comes to using it will still have to fork out lots of $$ .... So confused!

    Also any recs for who to go through appreciated too!
    Last edited by SoThisIsLove; 16-02-2016 at 13:07.

  2. #2
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    Anyone?

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    Hi there, in my experience, hospital cover is the most important 5hing. The cost of a bed can be thousands per night. Eg i have had to have a few procedures where i needed to stay overnight and that cost was covered. Also, if your kids need dental or grommets in hospital and you dont want to wait, that is when hospital cover is just so good. Thats my experience anyway. I have basic extras and always need to pay a gap for optical etc.

  4. #4
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    Quote Originally Posted by littleriv View Post
    Hi there, in my experience, hospital cover is the most important 5hing. The cost of a bed can be thousands per night. Eg i have had to have a few procedures where i needed to stay overnight and that cost was covered. Also, if your kids need dental or grommets in hospital and you dont want to wait, that is when hospital cover is just so good. Thats my experience anyway. I have basic extras and always need to pay a gap for optical etc.
    Thank you. Who are you with if u don't mind me asking?

  5. #5
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    I would rather have hospital than extras. I had 2 operations last year and would have to wait about 9 months in the public system and get a doctor who isn't as good as my own specialist doing the op, but I had them done within weeks with private. As for extras, I never got back as much as I paid over the year, so it wasn't worth it and I cancelled it. I'm with Bupa.

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    Don't you need at least basic hospital to avoid the Medicare surcharge? Just a thought...still, we hardly touch our phi, just dental and optical whenever I need new glasses but we were so glad to have it last year when ds needed surgery. He had been on the public wait list since birth but understandably there was a huge wait list. It got to the point though that our gp was becoming very concerned as the procedure needed to be done sooner rather than later so thankfully ph picked up the cost and he had the procedure immediately (in hindsight I don't know why we waited publicly when we have phi but at the time it was a straight referral the the children's hospital)

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    We have basic hospital cover to avoid the Medicare surcharge. As we can't get any discount / rebate on our PHI the cost of extras was more that what we would get back from going to the dentist etc so we went with hospital cover only.

  8. #8
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    I am with bupa. Tbh i need to take a closer look at my policy but hospital is a must. Extras are neither here nor there as there is always a gap but at least we dont have to wait for things like urgent tooth extraction etc. Private cover gives you immediate access to services, even if there is a gap its still worth it.

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    Agreed. Minimal hospital helps to avoid Medicare levy along with the loading you will receive if you do decide to go with hospital cover in the future (after the age of 30) when you're growing family may need it most.

    I found bupa wasn't great for extras, if you didn't use their preferred practitioner you hit hardly anything back.

    I recently (last week) did the comparison and it was between NIB and medibank for me.
    In the end medibank won on the return and the level of extras cover I could get for Physio/remedial massage/osteo along with the optical and dental (all things I regularly use)

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    We have PHI hospital + extras and I use it a lot. I have health issues though - I've had 2 surgeries under PHI (and 2 publically), and many procedures. It's pretty essential for me though as when I need to get something done I can't wait in the public system for months. With PHI I can book the procedure in the following week with my specialist and get my health back on track. We are with bupa and I have found they are great for hospital - I pay a small gap and the rest is always covered.

    Extras I am more likely to get rid of but I have found we may as well keep it because the difference between hospital and extras isn't a lot. We looked at dropping extras but as we also use that enough (dentist, dietician, physio regularly) it wasn't worth dropping it.

    I did not use PHI for pregnancy or birth however.

    Gees those PHI bills sting though...
    Last edited by Pearlygirl; 16-02-2016 at 20:04.


 

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