Private Health Insurance • Save Money Today
By Heather Blackmore | Last updated 02/10/2019
Private health insurance (PHI) is typically designed to cover treatment for short term, or acute, illnesses, diseases or injuries. Though the cover you get from Health Insurance depends upon the policy that you buy. Learn more here about treatments and plans for private health insurance. Basic cover will usually pick-up the cost for most in-patient treatments (tests and surgery) and day-care surgery. Some policies will extend to cover out-patient treatments (such as specialists and consultants).
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With a Health Insurance policy in-place you'll have priority access to expert private medical help should you need it; and depending upon the terms of your policy, the main costs of your treatment will be covered. Whilst the national health insurance does an amazing job, queues are inevitable for all but the most acute medical emergencies, and Health Insurance policies are often taken to avoid those queues in the future.
A Health Insurance policy, like all insurance policies, is your protection against the future and not the present. There's no better time to take Health Insurance than when you're healthy - if you wait to become sick it may be too late. Most policies won't cover pre-existing conditions that you've suffered in the 5 years prior to taking your policy - so getting cover while you're feeling fit and healthy is an effective way to lock-in your good health.
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To give you an indication of the treatments private health insurance is used for, the greatest number of claims received in 2017 were as follows:
1. Musculoskeletal problems (eg, back or neck pain)
2. Digestive system conditions (eg, gastroenteritis, Crohn's disease, irritable bowel syndrome)
3. Eye and ear conditions (eg, labyrinthitis – an inner ear imbalance)
5. Heart and circulatory diseases (eg, coronary heart disease, arrhythmia – an abnormal heart rhythm)
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