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  1. #91
    BH-KatiesMum's Avatar
    BH-KatiesMum is offline Community Manager
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    to be honest I would never be without basic hospital cover (assuming I could afford it - there is a lot I would give up before that)

    I have chronic health issues - but the treatment for some of my friends who are public patients for this condition is completely awful. My specialist (who I see every 3 months) will only see private patients.

    I also had ankle surgery as a private patient - took 2 months as opposed to the public waiting list which was in excess of 12 months.

    DH on the other hand hasnt used his PHI in about 10 years now.

    Still - its insurance. Its for when you need it ... and when you need it, you need it NOW.

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    This is why I have Private Insurance. All hospitals listed in the first story are Public Hospitals with avoidable neonatal and infant deaths.

    http://www.mamamia.com.au/hundreds-m...ian-hospitals/

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    I've worked in the health industry for 18 years. Have always had PHI and just wouldn't have been without it when having my babies that's for sure. Private ob in a private hospital for all 3 was important to me. Just last week I updated and swapped health funds. I kept what we needed, what we use, dropped what we didn't. I was contemplating dropping the hospital cover but decided to keep it just in case we ever do need to go to the city for care but I upped the excess which kept the premium down. The fund I changed to also had a higher yearly cap for dental and major dental which I wanted, ds1 may need to see an orthodontist later so thought that was worth while having.
    Last edited by Blessedwith3boys; 29-06-2016 at 13:13.

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    I have it and have often wondered if it was worth it until I needed it

    I had a major complication from a EPU which required a stent needing to be put in. Without private health I would of had to wait in the public system to have it removed for 4 months but since I had private health it was removed in 4 weeks as soon as it was healed. I wouldn't go without it now

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    Quote Originally Posted by LaDiDah View Post
    We have none. It isn't really something that you do in the uk so I had never even considered it! I've never had an issue with the public system here. I just don't see the point in spending the money to be honest. I have friends who have PHI and used it for their pregnancy and birth and yet ended up $1000s out of pocket still. We didn't pay for PHI went public and paid nothing...
    Same here, brought up in the uk and used to public system.

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    I haven't read responses, but I think it's largely a scam. Honestly, we have a fantastic public health system. If something's life threatening then it's generally dealt with quickly and affordably. Most private health insurance really doesn't cover what people assume it will either.

    There are specific circumstances where it may well be worth the cost, but for us, it's a no-brainer.

    There's also a broader ethical issue for me around the utilization and funding of public services, but I haven't got the time to go into that one right now

  7. The Following 2 Users Say Thank You to Renn For This Useful Post:

    delirium  (29-06-2016),JustJaq  (29-06-2016)

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    Quote Originally Posted by Renn View Post
    I haven't read responses, but I think it's largely a scam. Honestly, we have a fantastic public health system. If something's life threatening then it's generally dealt with quickly and affordably. Most private health insurance really doesn't cover what people assume it will either.

    There are specific circumstances where it may well be worth the cost, but for us, it's a no-brainer.

    There's also a broader ethical issue for me around the utilization and funding of public services, but I haven't got the time to go into that one right now
    It's interesting with public health how different people view the ethical issues. I'm sure I'm with you when I say my main driver is that government provide the best public system for everyone. But the reality is we don't live in a country where everyone can access quality health care at public hospitals.

    So as a high income earner I make the choice to have PHI so my family are 6 less people using an overworked system.

    Don't get me wrong I think phi sucks big time and hate how it's run for profits etc.

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    Blessedwith3boys  (05-07-2016),smallpotatoes  (29-06-2016)

  10. #98
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    Quote Originally Posted by Mod-Degrassi View Post
    Interested to hear from people who don't have PHI.

    Is it purely a financial decision (being not affordable), or do you not believe the benefits are worth the cost? Do you believe our public health system can meet your family's requirements should the need arise?

    Has anyone without PHI had a medical situation arise where they really regretted not having PHI?

    After having PHI for many years, I'm seriously weighing up my options. DH is more than happy for me to cancel it outright, but I do worry about 'what ifs'. Our income isn't high enough to be concerned with the Medicare Levy Surcharge.
    Had it but H lost his job and couldn't afford payments so got rid of it.
    Had DD publicly and am so happy that I cannot see the need for it.

    I don't get charged the levy as I don't earn enough and H doesn't mind paying it.

    The only thing I want it for is dental and physio.

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    Quote Originally Posted by Sonja View Post
    It's interesting with public health how different people view the ethical issues. I'm sure I'm with you when I say my main driver is that government provide the best public system for everyone. But the reality is we don't live in a country where everyone can access quality health care at public hospitals.

    So as a high income earner I make the choice to have PHI so my family are 6 less people using an overworked system.

    Don't get me wrong I think phi sucks big time and hate how it's run for profits etc.
    See, I work in a large government school. Because we have 1000+ kids we get 1000x $X. Lets say if more than half that goes on staff pay and basics, it still leaves us with a lot more to spend each year on facilities and invest in resources/equipment than a school with 500 kids. A new set of monkey bars costs the same for either school but makes a much bigger dent in their budget.

    So we don't see people sending their kids to private school instead of us as relieving us from a burden.

    I'm not familiar with the workings of medical facilities, but can't see how it is much different. Every medicare card swiped for a service provided is $ in their account.

  12. #100
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    I had it because I was wanting to gey surgery done. I needed something done initially before major op and surgeon didn't charge me anything out of pocket. I went through 6 months of not being able to financially afford it so deferred it. I've now decided to cancel it. If there's a need in future I'll start it again. I just find it hard to wrap my head around the notion that if you have the money up front or you have phi that you get a better level of health care...I know in the end it's just a job that someone needs to earn a living by but just hard to accept.

    As for my son we are eligible fot the dental scheme from medicare then that will cover medical costs for him.


 

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