When it comes to taking care of your health, having private health insurance is an excellent way to ensure you have access to the best care possible. But what about those extra health expenses that Medicare won’t cover? That’s where extras policies come in handy. In this blog, we’ll take a closer look at the four most claimed extras benefits under private health cover right now.
⦁ Dental Cover
Did you know that dental care is the most popular extra benefit? Almost half of all claims fall under this category. Dental cover is split into four categories, including general dental (check-ups), major dental (crowns and tooth extractions), endodontic (root canal), and orthodontic (braces). General dental annual limits range from $200 to unlimited, while major dental and endodontic range from $300 to unlimited. So, if you’re looking for an extras policy, make sure it includes dental cover and speak to your provider about their claim limits.
⦁ Optical Cover
After dental, optical cover is the second most claimed extra benefit. The typical benefit for optical is around $180, but some private health policies may have extra sub-limits for frames, lenses, and contact lenses, so be sure to confirm how much you can claim before joining the fund.
⦁ Physiotherapy Cover
Physiotherapy cover is generally included as a component of extras, and if you have this type of cover, you may be able to claim some of the cost of your physio sessions back on your private health insurance, up to an annual limit. See what physio cover is best for you and your stage of life.
⦁ Chiropractic Cover
Chiropractic treatments are designed to address chronic back pain, sports injuries, lower back pain and/or leg pain (sciatica), neck pain, headaches, migraines, joint issues, repetitive strains, arthritic pain, posture issues, and many other connected problems. To claim a chiropractor treatment, you need to find a private health policy that includes chiropractic within its “extra” benefits (general treatment cover or ancillary cover).
What level of extras cover do you need?
Determining how you use your extras cover will assist in the cover you choose. If you have ongoing dental problems, monthly massages, buy a new pair of glasses each year, and plan to get braces for your kids, you’ll benefit from a more comprehensive private health cover. If you’re only after the basics, such as dental, optical, and physiotherapy, then a budget or medium policy may suit you best.
In conclusion, it’s important to consider a private health extras policy to cover those extra health expenses that Medicare won’t. By understanding the most claimed extras benefits, you can make an informed decision about which policy best suits your needs. So why not compare private health insurance coverage today and discuss various extras options with our friendly team?