Getting the most out of your health insurance in Australia

Many Australian choose to have optional health insurance with extras cover, but only very few Australians are making the most of their extras cover.

In fact, over 72% of people with health insurance claim less than 10 extras benefits each year! This means that many people are missing out on the benefits of having health insurance cover. After all, having private health insurance is too expensive to be wasting each year.

The following are 5 simple ways that you can get more out of your private health cover.

Get your eyes checked
An eye check is free at most optometrists, but what many people don’t know is that most private health insurance policies allow you to get a pair of glasses each year without any out of pocket expenses each year. Some optometrists will even match this offer and give you a second pair for free! There is no excuse for putting of a trip to the optometrist.

Dental Insurance
Extras cover also provides a set amount of dental work each year, although there will be some out of pocket expenses that you will need to pay. Having a check up and cleaning each year is still a great idea and the costs for this will be partially covered by your health fund. It is also nice to know that any major work, such as extraction of wisdom teeth, that you need will also be subsidised.

Alternative medicine
Alternative medicine is a great way to get a second opinion and alternative view of your health. Many different forms of alternative medicine is covered by most health insurance policies such as chiropractic, naturopathy, acupuncture, osteopathy and more. Expect to pay out of pocket expenses for these consultations.

A massage is a great way to unwind and relax the body. Some private health providers include massage on their list of extras and this is a great way to take advantage of your extras cover. Having a massage every week might not be viable, but once a month should be covered by your health fund with a small amount of out of pocket expenses.

Additional options
There are also additional options that you may not be aware of. For example, some private health insurers will give you a discount for being a member of a local gym (or provide discount gym membership).

Many providers also offer a free health hotline, which you can use at any time of the day or night. Some health insurers will also give you a discount on your premium if you join a fitness program (such as a boot camp) or other program aimed at losing weight. Some providers offer additional extras benefits which covers virtually any health related service.

Using your extras cover makes sense, especially since you pay for it. There are many ways that you can use this cover without forking out extra costs for health services you might not need.

Using these complementary health services is not only a good idea because your premium pays for their use, but also because it might help to improve your health as well!

Don’t be one of the many Australians that under-utilise their private health insurance.