Jump to content
SAU Community

Private Health Cover

Deluxe

By Deluxe,
in South Australia

 Share

Recommended Posts

Deluxe Grand Master

Deluxe

Posted
Posted (edited)

Ok people, Just wondering if there is anyone on here that works for a Private health company that can help me out, Obviously looking at getting it soon and just want to know the ins and outs better

OR

If other people have it and who they are with, and what benifits you get with yours..........

Cheers

Darren

Edited by Deluxe
Link to comment
https://www.sau.com.au/forums/topic/209253-private-health-cover/
Share on other sites
SLED Grand Master

SLED

Posted
Posted
Ok people, Just wondering if there is anyone on here that works for a Private health company that can help me out, Obviously looking at getting it soon and just want to know the ins and outs better

OR

If other people have it and who they are with, and what benifits you get with yours..........

Cheers

Darren

dude thats a tuffie..depends if you want full hospital as well, or just the extras cover for things like dentist, physio, glasses etc.

If your reasonably healthy and don't do anything too dangerous in life (like ride fat bikes), maybe just extras are the way to go.

In an emergency you'll always get treated at either Flinders or Royal anyway.

I have Medibank Super Extras, dont know how that cover compares to others though.

Deluxe Grand Master

Deluxe

Posted
  • Author
Posted

^^^ Yeh i pretty much just want the Extras cover for now, I'm a soft option and prob wont break anything, In saying that i am at a race track 1-2 times a month, and things can turn bad there!! But nah just the extras........

Single 28yo

Been thinking of Mutual Community, bet keen to see the benifits of others!!

Hotwire Veteran

Hotwire

Posted
Posted

My wife and I have couples cover with SGIC - been good to us so far. Brooke gets new glasses every year, and has had physio etc. and we always seem to get reasonable refunds/minimal gaps. Pending what you think you'll use extras for try contacting some places, i.e. ring your dentist, ask them who gives the biggest rebates. Then compare this to their cost/month and work it out from there :domokun:

Deluxe Grand Master

Deluxe

Posted
  • Author
Posted
My wife and I have couples cover with SGIC - been good to us so far. Brooke gets new glasses every year, and has had physio etc. and we always seem to get reasonable refunds/minimal gaps. Pending what you think you'll use extras for try contacting some places, i.e. ring your dentist, ask them who gives the biggest rebates. Then compare this to their cost/month and work it out from there :domokun:

Yeh i just went to the dentist this arvo and need some fillings, didn't realise they cost more than some mods to my car damit, They are partners with Mutual Community and QBF and they give 60% return if with them or 40% with another!! I figure if i go see them a few times a year for check ups and cleaning then i'll have my money back as well as a few extras along the way with doctors and physio and so on!! I think Mutual Comm were like $6 a week or something, but really need to go in and have a talk with them i think!!

Why does our stupid body need to have issues that cost us freakin sooooooo much money!!!

pkblade Experienced

pkblade

Posted
Posted

Yeah going to the dentist with no cover wouldn't be cheap :domokun:. I need to have one of my fillings re-filled in the next month or two.

Just carefully read the policies as to what exactly you'll be covered for & the waiting periods (normally ~1yr for extras). Another thing to be aware of is the benefit amounts you'll receive & the yearly cap $amount for each extras' services.

Dohmar Grand Master

Dohmar

Posted
Posted
Iam with Medibank but havnt used it at all yet...touches wood. If you have time its best to go in and talk to them about the options/benifits etc...you'll be better off in the long run.

Ryan

Was with medibank for 2 years, paying around $130 for complete cover. Come time that I need a septoplasty to fix a broken nose (from pre-cover times, but undiagnosed), they say I hadn't been a member long enough to get cover on pre-existing conditions. Operation cost me $4500 out of pocket because of them being anal.

Its worth having if you have kids, if theres two of you, if you're into taking risks, or if you have enough cash to pump in, on the odd occasion u might get a $10k med bill.... it's helped a couple of my siblings on occasions, but I ended up cancelling mine. I saw it as a waste of money considering I lead a pretty sedentiary life. If I get a payrise at work, I'd consider renewing, but it sure as hell wouldn't be with medibank. Just add up the costs... $130 a month over 2 years is over $3k.... if I hadnt put the money into the fund, I wouldnt have been as burnt when it came time to get the septoplasty...

True enough, it was my own fault for not reading the fine print, but for that sort of money and the definition 'comprehensive', one would easily think that it covers any hospitals from that point onwards.... or maybe not? *shrug* If you're on a low income tho, dont even bother with private health cover...

-D

Hotwire Veteran

Hotwire

Posted
Posted

Also dont forget that if you earn over $50k per year ($100k couple) that the goverment then adds onto your tax bill the Medicar Surcharge (not just the levy). This can quickly add up to almost as much as private health, so you may as well have private health cover rather than just public for the same $$

Tangles Grand Master

Tangles

Posted
Posted

SGIC health here, got onto a cover / table years ago that now isnt offered, so I get a few extras that you cant get today

but its $1500 for me, and again for the wife. $3k a year. ouch

mind you they have paid out 40k on knee ops etc. so I guess Im ahead.

HOSTILE Mentor

HOSTILE

Posted
Posted

IF you are turning 30 and want to get cover so you get the lowest price you HAVE to get hospital cover not just extras!!

I have just had to do the same.

Ended up going with AHM and so far so good.

Hotwire Veteran

Hotwire

Posted
Posted

To achieve maximum government rebate (30%) you have to join a healt fund with hospital cover before you turn 30. For every year after you turn 30, the rebate reduces - giving you a higher premium. However if you join after 30, and remain a member for 5 years (I think its 5) the rebate increases back to the maximum 30% at the 5 year mark. Only prob with that is you pay extra for that 5 years!

Also, it may be the tax issue I outlined above, that if you are earning over 50k per year, you are paying Medicare Excess (not just the levy) which you may as well be paying to a private health fund and getting coverage for.

Richie33 Contributor

Richie33

Posted
Posted
Also dont forget that if you earn over $50k per year ($100k couple) that the goverment then adds onto your tax bill the Medicar Surcharge (not just the levy). This can quickly add up to almost as much as private health, so you may as well have private health cover rather than just public for the same $$

I signed up for health insurance at the end of the last financial year because of this very reason... I was basically paying around the same amount in extra tax as the cover would cost. I'm with NIB hospital & extras... it's almost payed for itself already, went to the dentist for the first time in more than 5 years had some fillings done. They also randomly sent me a $100 gift voucher at athletes foot.

Nightcrawler Grand Master

Nightcrawler

Posted
Posted
.... I think Mutual Comm were like $6 a week or something, but really need to go in and have a talk with them i think!!

Why does our stupid body need to have issues that cost us freakin sooooooo much money!!!

lol Darren - the missus and I are with Police Health (her old man is a retired cop) and pay nearly $3k a year between us. I wish we were paying $6 a week. But in saying that we each have like $500 for optical, $500+ for dental, $500 for physio, etc etc per year.

Oh and when Carolyn had Tyler a few months back at a private hospital, we had NO out of pocket expenses :D - finally getting some of our outlay back.

Same if either of us got seriously injured we would be FULLY covered.

At the end of the day I think full cover is worth it in the long run.

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now
 Share
Go to topic listing


  • Similar Content

  • Latest Posts

    • Duncan
      Mistakes were made, my R34 Story

      By Duncan · Posted

      jeebus. glad you weren't under it while performing the stunt. Also thanks for the link to the wheel measurer, exactly what I needed
    • Duncan
      Who has a Infiniti Q60, Q50 (V37)?

      By Duncan · Posted

      In the older stuff there were very significant differences 2wd to 4wd, for example Stagea had strut front end for 2wd and double wishbone for 4wd so it was not minor to swap. From poking around the 2wd v37, it *looks* like it might be more possible; some of the parts specifically have "2wd" stamped on them which suggests the platforms are more similar. You'd still want to start with a 4wd half cut to swap stuff from though. I'd suggest if you don't have a tune on the ECU you don't really need one on the trans either. Throttle mapping is in the ECU side (and you can always use a Roar Pedal if you want the throttle to actually respond to your foot), and really if you are happy with the stock power you probably accept the stock trans behaviour too....its all made to be "sporty" not racey.
    • Kinkstaah
      Mistakes were made, my R34 Story

      By Kinkstaah · Posted

      So, updates. I have not washed the car since it came back from Tassie. I've driven it around a bit but not got around to actually sorting it out. I DID raise it because I cracked the rear bar leaving a hotel which was very distressing. Interestingly, the car drives more compliant now that it's raised a fair bit (5mm front, 15mm rear). Also noticed that my FR height was 10mm lower than FL. So that's now sorted out, too. I also bought this and had it printed: https://www.etsy.com/au/listing/1576422240/wheel-and-tire-fitment-tool-universal?ref=shop_home_feat_1&dd=1&logging_key=08f604d9fa4cc383550ba985e6ac85cd5cac7fbb%3A1576422240 Now, if I was smart I would have taken my brake calipers off to actually use this correctly but it was evident enough to me that in the region where the caliper was... there was nothing to hit suspension/guard/arm wise. So I'm going with "it'll be fine" after using the tool to hopefully very precisely measure the wheel clearance. Also while doing this, I had the very VERY bad idea of jacking one of the wheels/suspension arms up while the rest of the car was on jack stands. I did this to see how the arm would travel. This all was well and good until the car slid off the stands and went through a fence. So don't do that. Incredibly nobody was hurt and there was only minor damage to the rear bumper as the car didn't have far to slide, and had 3-4 wheels on it. The only damage turned out to be the fence itself which was easy to fix, and a little bit of damage to the fibreglass rear bumper trim. I had already planned to try a touch up paint kit to fix the time I drove into my garage door to see if it'd help in the interim before I get it fixed properly. I used the Dr Colorchip kit after looking online and seeing everyone talking about it. Yes it's made for chips and not huge broken missing pieces and I'll be 500% recommending it for stone chips after using it for stupid things like me. This took about ... 10 minutes and looking at the half assed photo the 30 second job I did on the bumper corner was almost perfect just by using the tiny little brush and painting it in. The sealact stuff to remove over-painting is really useful, so if/when I do it again I'll likely slather the touch up paint well over it and then clean it up with the cleaning solution. The wheels should arrive in a couple of weeks. I am still kinda confident after doing a stupid amount of measuring (and borrowing a set of 18x10.5+15) that they will not fit because I overlooked something, somehow and flew too close to the sun. ALSO R34 GTR guard liners do not fit on a GTT. I bought the undertray brake duct guides and had the wonderful problem of them not fitting my intake, my oil cooler and the liners themselves were even worse. Attempting to fit them won't work in general - You would have to cut them up as another poster mentioned as the bodywork is different on the GTT. At least I can try to resell them. So instead of cutting those up, I cut up my old already-cut-up GTT liners and extended them by using some PP plastic and drilling some 8mm holes for some nissan clips for the 'extra' bit. Because I was happy to cut them I was able to mount them pretty damn forward so I now have some semblance of guard liners, and the brake vents seal the bumper from the bottom. It sort-of-looks like this, to give some idea - If you look at the GTR and then the GTT this is when I realised that I needed to seriously measure as the inside of the rim area is entirely, entirely, entirely different and could not take any internet measurements for granted.   
    • wizlb
      Who has a Infiniti Q60, Q50 (V37)?

      By wizlb · Posted

      If you are Ecutek tuned then these TCU tunes are anywhere from $550 to $700 usd. If you are not ECUTEK tuned, then it gets costly!    
    • brillo
      Leak from Tokico BM50 Brake Master Cylinder

      By brillo · Posted

      Sorry to hear your HFM BM57 was faulty,  did you contact HFM I would hope they would be at least grateful for the information if there was some sort of manufacturing fault, you would hope they would be sympathetic even if your item was 2 years old if it had never been fitted. May I ask where it leaked from ?
×
×
  • Create New...