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Understanding Health Insurance

Understanding health insurance can be a little confusing at times, but we have tried to make it as simple as possible for you. With information about why you should take out private health insurance including Government incentives to what you need to know when going to hospital; this valuable information will help provide you with an understanding on health insurance in Australia.

We also provide you with information you should know if you are planning to have a family. A must read if you wish to give birth in a private hospital.

moreWhy private health insurance?
moreAbout private health insurance
morePlanning a Family
moreGoing to hospital

 

If there is anything you do not understand about health insurance, we are here to help and are just a phone call away.

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Your Rebate

All Australian residents, who are entitled to Medicare, are able to claim an income tested rebate on their private health insurance; would you like to apply your rebate?

For individuals earning between $88,001 - $102,000 (or $176,001 - $204,000 for families*).
*For families with children, the thresholds are increased by $1,500 for each child after the first.

How rebate tiers workX

Most Australians with private health insurance currently receive a rebate from the Australian Government to help cover the cost of their premiums. The private health insurance rebate is income tested. The table below details the different rebate amounts and Medicare Levy Surcharge levels.

The rebate applies to hospital, general treatment and ambulance policies. It does not apply to overseas visitors cover. The rebate levels applicable for 1 July 2013 to 30 June 2014 are:

Singles
Families		 ≤$88,000
≤$176,000		 ≤$88,001-102,000
≤$176,001-204,000		 ≤$102,001-136,000
≤$204,001-272,000		 ≤$136,001
≤$272,001
Rebate
< Age 6530%20%10%0%
Age 65-6935%25%15%0%
Age 70+40%30%20%0%

Single parents and couples (including de facto couples) are subject to family tiers. For families with children, the thresholds are increased by $1,500 for each child after the first. http://www.privatehealth.gov.au/healthinsurance/incentivessurcharges/insurancerebate.htm

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