This guest post is brought to you by NIB Health Insurance
It is well known among many health professionals that good health can be the key to happiness and helps to increase the ability to live a longer life. Perhaps one of the most important factors in maintaining or improving people’s health is the services provided in healthcare. One aspect of healthcare that can help ensure this and protect you from the unknown is health insurance.
Here in Australia, the healthcare system focuses not only on the physical and mental health of the people but also their general state of well-being. There are two parts of the healthcare system: public and private.
The public healthcare system is run by our government and is paid by our very own taxes. The public healthcare system covers the basic things such as getting simple medical tests, seeing a doctor or being treated in a public hospital without paying anything. However this can still have a number of limitations.
For instance, you won’t be able to choose which hospital or which doctor to treat you. You won’t be assisted immediately because they have to prioritize those in the waiting list, requiring you to wait. (except for emergency cases).
That is why more people prefer private health insurance. In fact, more than 4.7 million Australians are registered with private health insurance providers. Private insurance covers services such as optical and dental services that fall outside what Medicare covers.
There are many private health insurance providers in the market but let us put the spotlight on one of Australia’s highly-trusted health insurers, NIB Health Insurance. They have been in the industry for more than 50 years and cover over 800,000 costumers all around Australia. They offer various health insurance options such as individual health insurance, couple health insurance and family health insurance.
What’s impressive about them is that they tailor-fit the insurance especially for you, choosing what to include and exclude depending on your needs. This helps to make your health insurance more affordable.
The Federal Government is helping to encourage people to avail and maintain private health insurance earlier in their lives. This is called the Lifetime Health Cover. Under this, every person who joins any private hospital cover aged 31 and below will be paying lower premiums compared to those who are over 31 years old who will be charged 2% annual loading for every delayed year they had before joining a private health insurance. Nib also offers hospital covers that meet all the requirements of Lifetime Health Cover.
Each one of us should find a health insurance plan that is best suited to cover you and your family needs. It is better to be ready than sorry.
(Thanks to the author for this weeks guest post. Please note, views and opinions of any of our guest authors do not necessarily reflect those of this website.)
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A posting by a Health Insurance company telling you to BUY health insurance.
So in other words it is one big biased Advertisement.
I think you would have a stronger argument if you added some links to some nonbiased research that shows that this would be a benefit. Otherwise, it does appear that you, as the company to receive the profits, are quite biased in your presentation. As this is a blog site for nursing, I don’t see that alone getting you very far as nurses are quite aware of biased information.
In my opinion health insurance plans are essential for any professionals and especially in a country like Australia, it cannot be taken lightly. People are not ready to invest their earnings in various health insurance plans, but they will get a taste of it only when they come face to face with any health issues. So my advices is to go and get the best health insurance plan that suits your need and budget..
I need to include more optical, dental, physio and hand therapy, yet I cant exclude other stuff. And I cant increase my limits for individual things unless I go to a another level of cover….how shit is that!
I have to pay top cover because I am short sighted and had a retinal tear in 2007. As a result, only top cover will be sufficient for Eye Surgery, and my glasses are really expensive. The 2 pairs for $199 that are spruiked often cost me like $500 for 2!!! And insurance only pays $250!. Not very fair.
Luckily my eye specialist no gapped me so I wasnt out of pocket by thousands.
And this post is quite condesending. We all know how it works…it seems like this is trying to explain health system to like year 1s who know nothing. Like HELLOOO this is a nursing page, i think we know how bad the system is….
Nurses are angels in comfortable shoes