![]() Health funds require a waiting period before you’re covered by your policy. You may also need to pay an amount (called an excess) towards your hospital costs. Depending on your policy, there may be hospital costs that your private insurance doesn’t cover. Around 2 in every 5 hospitalisations in Australia are in a private hospital. If you need to go to hospital, most private hospital insurance policies let you choose your doctor or specialist and receive treatment as a private patient in a private or public hospital. General treatment (also called ancillary or extras) insurance - this is for treatment outside hospital, which is not covered by Medicare, such as dental or allied health services.Hospital insurance - this is for treatment in a public or private hospital.There are 2 types of private health insurance: What does private health insurance cover? In other states you can pay privately for ambulance cover. In some states, the state government pays for ambulance services. If you need an ambulance, it will not be covered by Medicare. Speak to your doctor to see if this applies to you. If you have a chronic health condition or a mental health disorder, you may be eligible for some allied health services that are partly or fully paid by Medicare. a reduced cost for many prescription medicines, subsidised by the Pharmaceutical Benefits Scheme (PBS).doctor visits and medical tests partly or fully paid for by Medicare.free treatment as a public patient in a public hospital, paid for by Medicare.What does Medicare cover?Įveryone in Australia with a Medicare number is entitled to: There are many different types of private health insurance policies. If you are new to Australia, you can check with Services Australia to see if you are eligible for Medicare or other benefits.Īustralians are also encouraged to buy private health insurance, although it is not compulsory. It also pays extra healthcare benefits to veterans and people on low incomes. The federal government pays for the cost of healthcare under the Medicare system. Related information on Australian websitesĪustralia's healthcare system is made up of both government and private organisations.What does it mean to be a private patient in a public hospital?.Why should I choose a private hospital?.What does private health insurance cover?.It’s important to find out what your policy covers and whether you need to pay anything if you choose to go to a private hospital. Different private health insurance policies cover different costs. ![]()
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