Saying that, my B was accidentally born at home and we called the ambulance. We lived only a couple of blocks away from the hospital but were charged something like $100 each (bubs and me) so thank goodness we had cover! That was when we were much younger and mostly broke, but footy injuries out here (2 children now play) can cost $1000+ in ambulance costs for travel. It's only about $60 - $80 per year, I think, but it's part of our extras.
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13-04-2011 20:24 #11
13-04-2011 21:01 #12-
- Join Date
- Nov 2010
In qld we were driven 4 minutes to the hospital and charged $800
at that time I was on a pension so I called them and did not have to pay. Now in qld ambulance cover is on everyone's electricity bill. You are still exempt from paying the fee if you have a concession though. And I was sent an invoice not charged on the day.
27-06-2015 20:14 #13Junior Member
- Join Date
- Jun 2015
I was covered with top hospital cover since 2001, hardly making a claim. I then had a major cut on my upper leg that required surgery. I thought how lucky I was that finally I would be able to use the cover in a private hospital and have my injury fixed as soon as possible.
After calling all over Australia, the quickest appointment I could book was in 3 months time. I ended up booking into the local hospital and had the surgery done and dusted within a week.
I cancelled my private hospital cover the next day.
27-06-2015 20:27 #14Senior Member
- Join Date
- May 2011
Hospital cover can get you out of a pickle in a hurry! I recently had a health issue and needed to see a surgeon. It was semi- urgent but considered elective. In the public system I would have had to wait months to be seen. Private I saw my surgeon the next day and was booked for surgery 4 days later. Lucky too, as I was starting to get quite sick and waiting longer could have been nasty.none night in hospital with surgery was over $3000, and my gap was only $250. Well worth it!
I use my extras a lot, but we are still in the discussion as to whether it is worth it!
28-06-2015 05:55 #15
However, if you need a knee reconstruction or any kind of 'non-urgent' surgery you are WAY better off having private health. The waiting lists are long for things like that and you cannot choose your surgeon. You will only have to wait a few weeks compared to years in the public system. My family has unfortunately had a lot of surgery in the last few years and we have been so grateful for private cover as we would still be waiting (with pain) for the public system to even look at us.
Even still my hubby had an 'emergency' gastro issue a couple of years ago and we took him to our private hospital and he had amazing care. So I guess it does depend on which hospital you go to and their resources at the time. Same can be said for public.
28-06-2015 08:57 #16
Because I have a number of health problems we have top hospital cover and it has been very useful for the major things.
I spent months in hospitals last year (two private) and only paid $250 excess for the entire year. I was first admitted to a public hospital and it was found out that I needed surgery. I was immediately put on the 'emergency list' at the public hospital but after 9 weeks STILL hadn't had the surgery, and it was cancelled so many times. Transferred to a private hospital, very quickly had the surgery (which was good as things were more serious than expected).. Didn't pay anything except excess for 7 days on a surgical ward. I would probably still be waiting in the public system!
We have extras too, which is useful for dental work and glasses etc. I do find it very useful, but we could do without I suppose. We keep the extras because, like a pp poster said we would rather pay the money now and be covered, than not pay and then get a huge bill unexpectedly
By Qwerty in forum Private Health Insurance DiscussionReplies: 24Last Post: 10-02-2016, 10:55
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