Here’s what you need to know about buying a private health cover

Source: AAP/Mick Tsikas

Private health insurance helps people avoid long wait times for non-urgent procedures and lets them access services that Medicare does not cover. But out of pocket costs may be a deterrent for many people to use it to pay for their medical costs.

Highlights

A private health insurance cover also gives the patient the option to be treated by a doctor of their choice
Not all people buy private health insurance because they need it but many do so to avoid paying Medicare levy surcharge.
Professor Yuting Zhang of Melbourne University says when it comes to deciding whether or not to buy private health insurance, he suggests assessing the value of the cover if you need to use it.

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