jad n rich

Taken hours, trying to see if we can save on the $3600 we pay with medibank private.

Even if you read entire brochures on the subject you still have no idea what they will actually pay for any given procedure/service.

Switiching funds is not supposed to penalise you but you ditch years of loyalty benefits on the same type of policy.

Came down to BUPA, and medibank private again.

Pulling your own fingernails out would be easier.

Tramps_mate

I found what Medibank pay for to be pretty straight forward.

Although supposedly Bupa are very good too..

eddie007

I want out of HBF, but they're like the bleeding mafia...

purple rain

Try iselect, I was unhappy with BUPA and the change in July was going to cost us. A friend suggested I get a quote online, after doing this a very nice chap contacted me we discussed options and I changed to health.com

Very very pleased and a huge saving with exactly the same benefits that we had before.

Tramps_mate

What are people paying? For average medium cover for a family?

carolinephillips

Same here, except we were with medibank, who in the fine print specifically EXCLUDE cataract surgery, which is what I need. They also quibble every little thing and annoyingly I have to have a doctor's letter for each prescription on the pill for my daughter who takes it to control her acne rather than for contraception. Explaining it once isn't enough.
Health.com costs less and you retain your benefits from your previous insurer as far a wait lists are concerned.

iamthecreaturefromuranus

http://www.privatehealth.gov.au/

Try that

OzSheila

Just paid shy of $4000 for the next year - top cover - in order to avoid loss of rebate.

carolinephillips

OH paid a year's premium up front to avoid getting whacked with a cut in rebate.

lesleys

We always pay a year upfront every March - so you can get the whole year at the March price before the annual increases in April. I think it's the same for all funds.

Swerv-o

Thanks for this. Health.com.au is significantly cheaper than my current policy, and also cheaper than my GF's bespoke Doctors only policy.

Brilliant.


S

iamthecreaturefromuranus

Use the Government site I posted earlier and not just iSelect. iSelect will only recommend companies that pay them. They are NOT independent.

Bermudashorts

What does cut in rebate mean? I really do not understand healthcare stuff in this country.

iamthecreaturefromuranus

Tax changes at the end of this month, mean that some people, will be seeing a cut in the Gov rebate that applies to most private health cover. If you can afford to pay the lot in one go now, then you won't see that cut applied this year.

Bermudashorts

My understanding is even more limited than that, what rebate are people referring to?