just realised i should get myself some health insurance 'just incase'

what you guys recommend, i want it cheap but good.
with discounts on products like dentist visits.
but still have my bills covered if i ever go into intensive care..

HIF i use them, very good

MBF have found them to be the best, joined with them in Darwin don't think they have an office here but still covered for everything

Yeah I looked at it a while ago.,.. and the amount of options was so overwhelming that I thought 'stuff it' haha

dont really know what I need and dont need.. whats a waste of money and whats practical.

anyone here a guru ?

Tara

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yeah i second mbf, they are great, they kan also recommend a plan to suit yourself. They are owned by IAG, the largest insurance co in the southern hemisphere

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Evolution 8 MR

Forester GT

thats the problem i am faced with...
what is the right plan for me..
i know if i ring them up, they will sign me upto things i will never use.

I have HBF. On a Smart Saver Twinpack. It includes stuff like maternity and ancillary products, but does not include things like hip replacements or cataracs, so your not paying for insurance that you'll not use at your stage in life. They have other twin packs for other stages. Might be they have one relevant to you!

It was quite simple with the twin packs
Young person = Young Single Saver Twin Pack
Young couple = Smart Saver Twin Pack
Mature couple = 55Plus Twin Pack

Glen.

This is a waste of money! I had top cover with HBF, I broke two bones in my hand and it was cheaper to go through the health system than private!
Unless your planning on having a baby don't worry about it.

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the other alternative is to join st john ambulance (bunch of rip off's from my point of view). i think for like 27 dollars a year u are covered for ambo transport and transfers. obviously u wud hav to cover hospital expenses out of your own pocket. However most health policies cover ambo transport anyway

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Evolution 8 MR

Forester GT

I tend to disagree with you Jaron. I just had a knee re-construction and saved my self about 4-5k in medical bills. Just one night in hospital at Murdoch is about $3500 for a private room. Im with MBF (went through SGIO health) also and they are great. The only thing i dont like about em as that when you have to make small claims like chiropractor and dentist etc, you have to send it away cos they have no offices in WA. I have nearly the top cover the only things that arent included is joint replacements and IVF...dont think ill be needing that...and it costs me about $70/month. My son is also covered which is one of the main reasons i got it. Also as i work for myself if i dont have health insurance the tax man charges me a medicare levy (which everyone pays) and a medicare surcharge which is about 5% of your income. oh and also the fund lets you claim for gym memberships and pilates and other natural medical stuff aswell.

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