What is the best hospital cover for my family?

The last place anyone with a family wants to be is in hospital. It can be stressful and costly. Finding the best hospital health insurance for your family can make it easier on both fronts.

How do I find the best hospital health insurance plan for my family?

The beauty of finding the best hospital health insurance plan for you and your family is there are a lot of options. Most funds offer a range of alternatives on both cover and price. It is important to think long-term and broadly. Work out what your family does now and where they may be in the future. If you or your children play sport, hospital cover that includes being treated at a private hospital for injury may be an important part of sculpting the best health insurance hospital cover for your family.

Hospital cover can also include common childhood procedures like appendicitis or having tonsils or adenoids removed.

It is also important to not just think of the children.  The best hospital health insurance plan for your family should also involve hospital cover for parents, with a range of coverage options available across all funds. Talk to your doctor. They will have valuable insight into your family’s health needs.

Nobody likes to think anyone in their family will get sick or have an accident, but it is good to know there are plenty of options for all kinds of treatments to help families of all shapes and sizes find the best health insurance for them if they need to go to hospital.

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

Is hospital cover expensive for families?

Creating the best hospital health insurance plan for your family doesn’t have to be expensive. By tailoring the treatments they are covered for, as mentioned above, your family may be able to avoid medical related expenses when they arise.

There are also options within packages that allow for flexibility in costs. Things like opting to be treated as a private patient in a public hospital may be able to save you money. If you live hundreds of kilometres away from a private hospital, choosing this option could be a smart way to create the best hospital health insurance plan for your family. Even if you don’t, it could still be a good option. If you are unsure about this, give your local hospital(s) a call and find out from them what they offer private patients.

Family members can also choose everything from total or partial cover to smaller details such as having a single or shared room. All these options may change pricing. Pricing can also change from fund to fund, so make sure you compare. Your family’s wellbeing is too important not to do your homework.

Having the best hospital health insurance plan for your family doesn’t mean it has to be the most expensive one.

Am I covered if I am planning to have a baby?

Thinking about whether or not the size of your family is likely to grow in the short or medium term is an important part of choosing the best hospital health insurance plan for your family.

A lot of hospital plans don’t include pregnancy, but most funds will have policies that do. It can also be a surprise to learn most health funds require a 12-month waiting period for pregnancy claims, so planning ahead, or planning for all possibilities, is important. At the same time, if you are not planning to hear the pitter patter of little feet anytime soon, creating the best hospital health insurance plan for your family means reflecting that in your policy.

What about extras?

Most insurance funds will allow you to combine hospital and extras cover into one package, to ensure you get the best hospital health insurance plan for your family no matter the situation. Some funds allow you to mix and match levels of cover to ensure you get exactly what you need. But be careful, waiting periods and calendar-year claim limits can apply, so make sure you read the fine print.