Best Private Medical Insurance

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Best Private Medical Insurance


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Old 22nd November 2011, 12:13 AM
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Default Best Private Medical Insurance

Hi Guys,

Which would be the best (and cheap ofcourse) Private health insurance. I am looking for a basic one which has an OPD for minor treatment of cough, cold etc stuff for a couple. Can you suggest which one to go with. This is gong to be our first policy.

Additionally i have been researching and found out one called Frank Medical Insurance, Any Idea on how is it?

Look forward to hear from you guys.
Thanks
Jag

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Old 22nd November 2011, 02:32 AM
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Look on iselect, you can pick & choose what you want covered & it will show you all the providers and yearly or monthly price. That way you won't pay extra for things you don't want or need!

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Old 22nd November 2011, 02:39 AM
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Quote:
Originally Posted by jagmohansj View Post
Hi Guys,

Which would be the best (and cheap ofcourse) Private health insurance. I am looking for a basic one which has an OPD for minor treatment of cough, cold etc stuff for a couple. Can you suggest which one to go with. This is gong to be our first policy.

Additionally i have been researching and found out one called Frank Medical Insurance, Any Idea on how is it?

Look forward to hear from you guys.
Thanks
Jag
Some sites which will be useful for you.

Compare Health Insurance, Private Health Cover & Fund Comparison in Australia - helpmechoose.com.au

Private Health Insurance - iSelect

PrivateHealth.gov.au - Australian Health Insurance Information

Health Insurance Comparison, Compare Health Cover & Health Funds | moneytime

Cheers.

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Old 24th November 2011, 05:15 AM
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Thanks Maddy & Shel.

I have been going through these websites, but i am really confused about one thing. None of these private medical insurances cover General Practioner. All of them either talk about hospitalization or extras like dental etc. None of them talk about General Practioner. Do you know any who covers this one?

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Old 24th November 2011, 07:06 AM
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All of it depends on which visa you are on and whether you have a Medicare card or not. If you have a medicare card, your GP visit will be covered by Medicare up to a limit and if you are charged more than that limit (sometimes called the GAP) some private health insurers will cover that. For example, if the GP visit costs 100$ and Medicare pays up to 35$, the rest may be covered by private insurance.

If you are on a visa where you are not eligible for a medicare card, try looking for insurance providers who cater for overseas students. Medibank Private is one company along with a lot of others.

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Old 24th November 2011, 07:41 AM
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Adding to what jshara said, it's also good to note that if you are eligible for Medicare, you won't ever have to pay to make up what Medicare doesn't cover if you go to doctors who bulk bill - Medicare will cover 100% of the cost at places that bulk bill.

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Old 24th November 2011, 10:47 PM
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Quote:
Originally Posted by jshara
All of it depends on which visa you are on and whether you have a Medicare card or not. If you have a medicare card, your GP visit will be covered by Medicare up to a limit and if you are charged more than that limit (sometimes called the GAP) some private health insurers will cover that. For example, if the GP visit costs 100$ and Medicare pays up to 35$, the rest may be covered by private insurance.

If you are on a visa where you are not eligible for a medicare card, try looking for insurance providers who cater for overseas students. Medibank Private is one company along with a lot of others.
How do you find out if your visa allows you Medicare ? I'm o a 176 family skilled migrant visa

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Old 24th November 2011, 11:33 PM
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Anyone on a PR visa is entitled Medicare at the same level as a citizen. 176 or 175 visas fall into this category.

A large portion of Australians take out some level of private insurance to add to this.

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Old 24th November 2011, 11:34 PM
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Quote:
Originally Posted by melinscotland View Post
How do you find out if your visa allows you Medicare ? I'm o a 176 family skilled migrant visa
Then yes, you are eligible. It's on the very first page of information for the 176 visa on the immi site:
What does this visa let me do?:
- Receive subsidised healthcare through Medicare and the Pharmaceutical Benefits Scheme (PBS)
Skilled – Sponsored (Migrant) Visa (Subclass 176)

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Old 25th November 2011, 12:07 AM
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If you have got PR you should have a Medicare card. Take all your documents i.e. passport, bank card etc and walk into any Medicare office, they will issue you a temp card on the spot.

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