What is the best extras cover for my family?

Every family is different and finding the best health insurance, and the best extras cover, can be difficult. With so many options and so many extras available, it’s important to take time to choose the best health insurance that best suits your family.

How do I know what my family needs?

Think long-term. Look at the broadest picture you can. Perhaps start by reading the Best Health Insurance Guide and work backwards. How old are your children? Do they play sport? Is it likely they may need braces in the coming years? Questions like that can help you decide the best extras health insurance plan for your family.

No one really knows what the future will hold, but most extras plans include coverage for services children may need while growing up.

If you’ve recently had a baby, post-natal benefits might be important to you. As your kids age, perhaps pharmacy or speech therapy might become important. Most funds will have you covered, but make sure you think about choosing the right extras cover that will give you the benefits where you think you will use them most.

Another important thing to remember is to not forget you. Parents always put their children first, and when it comes to health, mums’ and dads’ needs are rarely considered. But the best health insurance options for your family have to take you into account. Planning for the health of your entire family is a must. Most funds include options such as a benefit towards your ambulance cover, dieticians, optometry, natural therapies and some home medical equipment. You might even get better value for money with extras cover than if you had to pay for these services in full.

Is extras cover flexible?

Families grow and change every day. The best insurance plan for you today may not be the best insurance plan for you in five years. Reviewing your policy every few years is a great idea. It’s important to take into consideration waiting periods when doing this. All extras cover policies have waiting periods, some more than others, and when you increase your cover, new waiting periods may apply for new services but any waits you have already served will likely move with you. All health funds will be able to help you navigate any changes.

Flexibility in extras cover also stretches to value for money. Choosing dental cover, and reducing the chances of expensive procedures by having, and claiming, regular checkups, can be a clever way adapt extras cover to create the best health insurance plan for your family.

Bronze Hospital & Bronze Extras Set Benefits

Entry level hospital cover. Includes preventative dental and optical.
$ 20.35*
per week
Select

Bronze Hospital & Silver Extras Set Benefits

Entry level cover. Cover for a range of popular services that suit your lifestyle.
$ 24.35*
per week
Select

Silver Hospital Plus & Bronze Extras Set Benefits

Moderate cover. Includes private hospital with some exclusions. Includes cover for preventative dental.
$ 29.90*
per week
Select

Bronze Hospital & Bronze Extras Set Benefits

Entry level hospital cover. Includes preventative dental and optical.
$ 20.35*
per week
Select

Bronze Hospital & Silver Extras Set Benefits

Entry level cover. Cover for a range of popular services that suit your lifestyle.
$ 24.35*
per week
Select

Silver Hospital Plus & Bronze Extras Set Benefits

Moderate cover. Includes private hospital with some exclusions. Includes cover for preventative dental.
$ 29.90*
per week
Select

* The price shown is per week and applies to a Single living in VIC with a $500 excess. It excludes LHC loading and includes a Base Tier Government Rebate.

Can I use my family practitioner?

Most funds allow you the freedom and the flexibility to choose your own health care provider, for you and your children. Part of having the best health insurance plan for your family is being able to choose your extras care and have the same benefits no matter where you go. GMHBA lets you pick the registered provider of your choice.

One key to finding your best health insurance plan when choosing your practitioner is making sure you are comfortable with the benefits your fund offers.

Most funds will have a list of extras options on how much you can claim back on each service. It usually depends on your type of cover. Also, keep in mind that for most extras there are limits to how much you can claim per calendar year.

What if we want to have another baby?

Most funds don’t include pregnancy in extras cover, but do cover it in other policies. Thinking ahead is important when considering health cover for pregnancy, with waiting periods of at least 12 months across most funds. However, extras cover can come in handy during pregnancy for things like ante-natal classes or tens machines, so the best health insurance plan for you if you are considering starting a family, or adding to it, could include both hospital and extras cover. Most health funds offer combined policies, and you can vary the level of either hospital or extras cover in each policy. No doubt you will have many questions. That’s OK, because there are many answers. Give us a call and we can help you out.

Family life is busy, how easy it is to claim?

We all know how important time is to families, and there isn’t much point taking the time to find the best health insurance for you and your family if you have to spend hours on the phone or online dealing with claims.

Claiming extras has never been easier. Most health practitioners who provide extras services will have a terminal on the spot, meaning all you have to do to claim is swipe your private health cover card and pay any outstanding costs on the spot, allowing you to get back to the important task of running your family.