Can I have hospital cover with one fund and extras with another?
Yes, you can take out a hospital insurance policy with one health fund, and extras cover with another. This can be handy as some funds might have a hospital policy you like, but not cover the specific out-of-hospital treatment you’re looking for under an extras policy.
What is the difference between hospital and extras cover?
Hospital insurance helps pay for private patient treatment when you’re admitted to hospital (For example, giving birth), while extras cover helps pay for services outside of hospital (For example, dental check-ups).
Is Medibank private patient hospital cover?
Medibank, on the other hand, is one of Australia’s leading private health insurers. With Medibank Hospital cover, you can choose to be treated as a private patient in either a public or private hospital*.
What does Medibank top hospital cover?
Medibank Gold Complete and Top Extras. Comprehensive Hospital cover that looks after everything from pregnancy and birth to heart and vascular admissions plus an equally comprehensive Extras cover for a wider range of services such as major dental.
Can I hold 2 health insurance plans?
Yes, you can have two health insurance plans. Having two health insurance plans is perfectly legal, and many people have multiple health insurance policies under certain circumstances.
Can you have 2 private health insurance plans?
Splitting your health insurance between two providers can sometimes provide better value premiums or coverage than taking out combined hospital and extras cover.
Does Medibank include ambulance cover?
Where you need an ambulance and your medical condition is such that you can’t be transported any other way, you’ll be covered for services provided by a Medibank approved ambulance provider: ambulance transportation to a hospital or other approved facility is required to receive immediate professional attention.
What are extras in health insurance?
Extras cover is a type of health insurance that covers you for out-of-hospital medical care. Also called ancillary cover or general treatment, it covers services Medicare doesn’t, like dental treatment, optometry, physiotherapy and more.
What does private health hospital cover?
When you choose to be treated as a private patient in hospital: your health insurer covers some or all of the hospital costs (such as accommodation) Medicare covers some of the doctors’ costs. your health insurer covers some or all of the remaining doctors’ costs.
Does private health cover pre existing conditions?
You do not pay more for private health insurance because of pre-existing conditions. A condition doesn’t have to be previously diagnosed to be considered ‘pre-existing’. You can seek private treatment for your pre-existing condition and claim under your policy for such treatment following the waiting period.