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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13-06-2016 11:42 #91
29-06-2016 06:15 #92Junior Member
- Join Date
- Jun 2016
29-06-2016 12:09 #93
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 12:13.
29-06-2016 12:47 #94Senior Member
- Join Date
- Nov 2012
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
29-06-2016 12:48 #95
29-06-2016 13:03 #96
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
29-06-2016 13:21 #97
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.
29-06-2016 13:31 #98
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.
29-06-2016 19:22 #99
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.
29-06-2016 19:37 #100
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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