Thread: Private Health Insurance.

Yeah I have gone and accidently posted this in the wrong area, waiting for Mods to move it. Silly me!!! Now moved......thanks Mods!!!

Who can really afford it these days.
We dropped out 12 years ago, it became too expensive.
Every tax time some of the insurance so call selectors advertise you'll have to pay more tax if you earn over $X, the the extra tax paid is a lot less that what the insurance policy would have been it's always scare tactics to get people to sign up.
Ok you can pick a hospital and doctor, but we found the specialist always seem to charge more than what your insurance pays. Funny that they all think they are worth more than the allowed fee.
But it does have some advantages
My sister is on the waiting list to get her knees replaced, at 50 they reckon she's too young and has to wait.
My mate Army all his life and in his 50's still has to wait , too young they say.
My other mate needs a hip replacement, he has health insurance but had to wait a year, he will get it soon after the 12 month exclusion.

My sister has to suffer on the public system and can hardly walk,and in extreme pain as bones rub against one another, and doesn't have the $30K the surgeon wanted, so he told her tiff tiff put yourself on the public system , but he refuses to operate in a public hospital and wait

My Army mate, would have thought the Gov't would pay for it.

what do you do if you can't afford it, you suffer!!!!!

I've had it for a long time now, and will continue to have it. It suits me and I'm lucky enough to be able to have it.

Originally Posted by Ausfree

Is Private Health Insurance getting too expensive for the average worker???

On a day to day basis yes, but all it takes is one thing to happen and you're in front (or not behind).

In the last 17 years we've had 2 kids born, 4 operations and countless trips to the dentist (by me ) and while the premiums scare the smelly stuff out of me, we are still way out in front.

Last op for the Mrs was over 10k and cost us < 2K.

We have it for many years and will continue to do so.


Between the kids births, braces, glasses and continued visits to the dentist for us its been a real asset.


There are a lot of things I will go with out before I drop private health.




Cheers Ean

We have had it for many years as well.

Luckily we took it out,wifes idea, once we could afford it.

a few years later had a son who was very sick for many years,so it well and truly paid for itself.

I have also had a couple of stays in hospital,one bill was $7k,i paid $150.

Like any insurance,it is getting more expensive,so you have to decide if it is for you.There are many people around that don't have it.

One of my brothers can afford it but doesn't have it.

I recon he is stupid,has two young kids,but that is just my 2 cents worth.

I have private cover.
Made a claim 2 weeks ago for prescription glasses, entitled to $200 refund per year, which is fairly poor going, considering I could also claim $400 for AROMATHERAPY/year.

Not to mention the free teeth cleaning every year, plus your own room at hospital!

As expensive as it is I think it's worthwhile.