None of us plan to be unwell, but having the right level of private hospital cover in place for when you need it can be worth much more than the price of admission. And knowing exactly what treatments and services are included in your cover can not only give you the peace of mind to focus on your return to health, but can also help to minimise a lot of out-of-pocket expenses.
Checking what’s in your cover
When a hospital admission is on the cards, it’s important to know what’s included in your cover to ensure there’s no nasty surprises that can hamper your journey to better health.
There are many levels of cover that can support you depending on your needs.
At a basic level, private hospital cover could pay benefits towards things like overnight accommodation in hospital, same-day admission, theatre fees and intensive care for a limited number of services.
Depending on the level of hospital cover you choose, your cover could pay benefits towards a variety of in-hospital treatments from joint replacement surgeries right through to pregnancy related services.
Although hospital cover helps to reduce the cost of your private hospital admission, depending on who is treating you and where you go for treatment, some specialist fees and other medical expenses may not be included in your cover.
If you’re unsure of what’s included in your cover, or if you need to change your cover to match your current circumstances, give us a call on 132 331 or log into www.medibank.com.au/members to view and manage your cover.
Why it’s worth being covered
There are many reasons why having hospital cover is a good decision for your health, but it could also help reduce the costs of private hospital treatment.
As a private patient, hospital cover lets you enjoy generally shorter wait times for a range of in-hospital elective procedures, plus flexibility over where, when and by whom you get treated.