We provide a range of cover choices tailored to match your needs – from basic to mid-range to comprehensive. Each level of cover also varies in cost, giving you more options to choose one that suits your budget as well.

How do I choose the right private health cover?

When choosing the right private health insurance cover for you and your family, you need to consider the level of health cover that fits your needs, not just the price or the tax and other government health cover initiatives that affect you. Each level of hospital and extras cover has different benefits and costs, which is why it is important to take these key factors into consideration when making your private health insurance choice:

  • are you single, a couple, planning for a family, or do you have a family already? 
  • are you worried about being able to pay for major dental treatments? 
  • would you like to improve your general wellbeing through a health management program? 

Read the descriptions of health insurance packages carefully. Take note of the categories of services that are included in the cover and consider whether they include everything to meet your healthcare needs and expectations.

Restrictions, exclusion and excess
For hospital cover this can mean, restrictions on the extent of cover provided or exclusions of any claims, for a particular type of treatment. You can also choose different levels of excess payment in some cases. Your excess is the amount you pay towards the cost of your hospital treatment.

For extras cover there are different types of services covered for different levels of cover, as well as different benefits and annual limits.

Waiting periods
Waiting periods can also apply to both hospital and extras covers before you can claim. Different policies have different waiting periods.

Cooling off period
Once your membership starts, a 30-day cooling off period commences. During this time you can choose to cease your membership or revert to your previous level of coverage, if you have increased your health cover.

Our expert Member Service Team can provide you with more detail or answer any questions you have about our health insurance products. Call us on 1800 226 126 or email on join@doctorshealthfund.com.au