I toss up cancelling ours all the time.
However. .my husband has a pre existing eye condition and wears special lens for it in one eye. I wear glasses. In the last 3 years hubby has ended up in hospital with pneumonia and cellulitis. With his pneumonia he got in to a lung specialist as he had ongoing problems which happened much faster than seeing someone through public system. In fact we got a letter 12 months after referral at public hospital to see the respiratory team. Still had some out of pocket obviously. He also had hernia op. .. and that happened in a matter of weeks rather than waiting through public system.
As for our daughter. .she sees all her specialists publicly.... there would be no difference with her treatment private with ENT or cardiology. .or metabolics...etc etc. She can only be treated through the children's hospital. However her paediatrician workss at our local private one and when she's had a few viruses we've been able to admit her (no excess) to be observed and tube fed etc.
All that said. .. I'm still not sure it's worth it ... only plus really is waiting periods... very long waits at our public hospital for adults. .. but private much less time. I'm also concerned as we get older we might need more cover.
I did hear a financial consultant say once that if you were to put aside the same amount of money into an account that you would save on PHI you'd have enough to cover glasses and dental etc etc.
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09-06-2016 08:46 #11
09-06-2016 08:51 #12
Following as we we are in the same boat, considering dropping our PHI. We are a low income family and really struggle. Financially we would be so much better off not paying it but I worry about the what ifs and how I'd feel if something happened and we were waiting for months in the public system.
09-06-2016 08:52 #13
always had it, including the obstetric cover. we decided to go public for ds however so it was 2-3 years of premiums in the bin (well for the obstetrics bit). we've since cancelled that level of cover and just have hospital and extras family cover now. I'm happy to have further babies in the public system so no point paying for something we won't use. I think we pay around $300 a month. it's not cheap but I'd rather have it than not have it.
09-06-2016 08:56 #14
We've never had it, purely for financial reasons - we just can't afford it.
09-06-2016 08:56 #15
We don't have it as it's a rip off and we cannot see the value in it, when the public system has suited us fine. What would we be paying for, a free annual dentist visit? Woopdeedoo. Everyone we know who has PHI doesn't see the value in it either, we know this because we asked them! If the public system didn't exist then we would absolutely get PHI, but until then we love the public system and saving money.
09-06-2016 09:00 #16
09-06-2016 09:03 #17
I always feel like we're the only ones who don't have it, especially since we just passed the over 30 mark a few years ago so I'm glad we are not alone. We do have ambulance cover though, I wouldn't be without that just in case.
We live in a regional area so everyone births in the same hospital, we just pay for things like dental (wisdom teeth removed and I've got fillings) and glasses for hubby and one of the kids. We just had specialist appts for hubby having a suspected stomach hernia and paid that out of pocket, got some Medicare back from both appts and the mri. He is on a waiting list as a very low priority so we are looking at 12 months but since we were given the option not to do anything for now as it was low risk I'm not phased by that.
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09-06-2016 09:11 #18Senior Member
- Join Date
- Mar 2010
Who has NO private health insurance?
We did, but when I gave prematurely in the public system , we found we had less rights than the public patients and decided it wasn't worth it.
09-06-2016 09:28 #19
Who has NO private health insurance?
We considered turfing it as where we live (remote) we get a lot of things extra in public, such as my recent tooth extraction was free and just done as walk-in. Things are quite heavily subsidised for us. But we got our PHI years ago and we just happened to fall into one of those once in a lifetime deals. We have just about full cover for what most people pay to just get Ambulance cover. So it makes sense to us to just keep it. If my husband gets a pair of glasses a year and we claim back a handful of things (medications and etc for my asthmatic, autistic 4yo son for example) it's paid for itself. If any of my kids end up needing glasses or braces, we will definitely be in front.
When we last thought we should look around at prices, even the sales rep from where we go through currently told us that they cannot offer us anything for what we currently pay. So with that information, if we didn't already have it. We most likely wouldn't get it.
ETA, I have a hereditary issue with tonsils, not tonsillitis. It's just when they are supposed to stop growing, they don't. Everyone on my fathers side has had them removed for the same reason (being unable to breathe) and after watching friends kids suffer and wait on long waiting lists to have their kids tonsils looked at I don't want to risk it because I know it's a huge huge likelihood my kids will have them removed.
Last edited by Ahalfdozen; 09-06-2016 at 23:38.
09-06-2016 09:34 #20
Never had it as its not in our day to day budget.
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