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  1. #21
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    Waste of money imo. Unless you have a lot of health .issues

  2. #22
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    We don't. We just simply can't financially afford it.

  3. #23
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    Don't have it. I did need it once and got it and he to serve the 12 month waiting time. Than as soon as the recommended to me was up I dropped it again.

    It's unaffordable to us.

  4. #24
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    We don't as we just can't afford it and don't see the need.
    My son was born with a rare life threatening medical condition and we see his specialist every 3 months at a public hospital and his opthomolagist every 4 months he also has therapy under ndis he has been admitted more times then I want to count and all times has been great understanding doctors got in and onto the ward and treatment he needed.
    We both wear glasses but get them where you can lay by only thing that would be good is dental but I have a savings fund for that so that's fine.
    I am going into surgery next month to get an ovarie removed and I was on the 3 month waiting list and everything has been great with that I have 2 pre op appointments then stay in hospital for 5 days so I feel that is plenty of time.
    I will need hip replacement in the future but just put my name on the waiting list.

    I really can't complain about the public system has been fantastic for us.
    We have a health care card and pension cards for ambulance so don't have to pay for that if we need them but usually we drive to hospital.
    Last edited by Mum to a miracle; 09-06-2016 at 11:59.

  5. #25
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    Don't have it and never have as I believe it a waste of money.

    Im a midwife and had my 3 babies in a public hospital. I can't justify the amount obstetricians cost to go privately!

    We've once paid $2500 for our 14 month old to get grommets done privately as we were travelling to Fiji in two weeks. The other 3 times our children have needed grommets/ tonsils we've waited the 4-6 months on the public list.

  6. #26
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    Default Who has NO private health insurance?

    We don't have it (we do have ambulance cover though). Both of my pregnancies were through the public system (complicated pregnancies) and my DH recently had a vasectomy publicly and the wait time was only about 3 months. He ended up with blood clots in both lungs (could have very easily have died from it) and was seen to by the public hospital, who were fantastic. My kids are about to get their tonsils out through the public system, ds wait time was 12 months and dd 6 months.

    My view on it is if it is a real emergency the public system will deal with it straight away and if you don't mind having to wait for non life threatening things then it really is a waste of money having private health.

    If you frequently see chiros etc them it probably makes sense to keep it as those costs do add up quickly.
    Last edited by Happymum2; 09-06-2016 at 12:34.

  7. #27
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    Default Who has NO private health insurance?

    I have top hospital and extras.

    I went public every time for birth. I would go public for any life threatening illness.

    But, I have it for things that are not life threatening that take years in the public system. People often have to live with chronic pain because their condition is not life threatening but with private health it can be resolved very quickly instead of waiting for months or years.

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  9. #28
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    We don't have it and likely never will. It just doesn't match with our health care philosophy. We go with preventative care (good diet and healthy lifestyle, exercise) and pay out of pocket for things like glasses, dentistry, alternative therapies like acupuncture and such. If an emergency came up, we'd access public and be grateful for it. Knock wood, we've never had an issue that would take months/years on a wait list to remedy.

  10. #29
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    I don't have hospital cover at all and have been very happy with the public system, for two births and my son's surgery. Wasn't a long wait time for him either. I do feel private cover is a waste of money for us. But if I had a specific medical condition I may get it and actually did this and served the waiting period for pre existing a couple of years ago, because the surgery was very specialised and not done publicly. Then I was suddenly better and didn't need it so cancelled the cover.
    We do have extras cover mainly for dental and optical and use that a lot to reduce costs.

  11. #30
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    I've always had it and yup it's expensive it's a big cost every month. My partner didn't have PHI when we met, not long after we met, he tripped over a chair on his way out of the pub, fell and split his head open and was knocked out. He ended up with a $3500 ambulance bill, so I rekon it's at least worth it for ambulance.

    We've used it a lot for IVF, specialist drs and procedures and for obstetrics so maybe once that is all done we'll drop it back.


 

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