Top Health Cover
Get a Top Health cover: Compare Public and Private Options
Choosing the top health cover for your situation will require considerable research. There are multiple factors that contribute to a decision. Medicare coverage is designed to provide health care to all Australian citizens, but the vast difference between actual costs and the Medicare schedule of benefits negatively affects the quality of care provided. Surgeries that are considered elective can have very long wait times, and very few alternative medicine treatments are covered. Also, while every citizen pays the 1.5% Medicare levy, high earners are also subject to an additional 1% charge if they choose not to carry private insurance. The government also subsidises insurance premiums by as much as 40%, depending on age and income, making private insurance a more attractive possibility.
With private health insurance, people can get access to a top health cover. Private Health insurance does not preclude the use of public hospitals; it simply opens up more options. Those with private Health insurance can still use public facilities as a care option. Private Health insurance also allows policy holders to access a huge network of private doctors and hospitals around the country. Access to health care in rural areas can be difficult without private insurance. Many doctors choose not to offer bulk billing, which makes carrying private insurance a way to minimise out of pocket expenses.
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