While our policies can help you avoid high-cost bills there are many other benefits in being a member with Hunter Health Insurance. These include:

Having greater control over your health care

With private health insurance, you can choose your own doctor and hospital from those who participate with Hunter Health Insurance without having to worry about unforeseen costs.

If you have a serious medical condition, you can have greater confidence in getting the very best care in a great facility and have a higher chance of being able to have a private room in the hospital where available

Avoid having to wait for treatment

Depending on your needs you may have to wait for long periods to be served in the Public system – particularly for elective surgery. When it comes to your health that’s something you should really want to avoid. While the public system provides great services in emergency situations, if your condition isn’t life threatening you may have to wait for months or even over a year to receive your medical procedures. Going Private for these services avoids those waits and having a policy with Hunter Health Insurance can give you access to those services at a fraction of the cost.

We have benefits you can pro-actively claim on

Unlike insurances for items like car, house or life you can add an extras policy to your cover that you can proactively claim on to help maintain your health. Depending on your policy, you could get money back every time you visit the dentist, physio, chiro, and more. Having an insurance policy can make it easier for you to finance these types of preventative treatments.

Avoid additional taxes and higher premiums in the future

Many people will pay lower taxes by taking out health insurance. With hospital cover, you can avoid the Medicare Levy Surcharge if you earn over $90,000 per annum. For some people, taking out basic hospital cover with Hunter Health Insurance could cost less than paying the surcharge while having the benefit of being able to go private if needed.

In addition, if you take out Private Health Insurance before you turn 31 you can avoid the Lifetime Health Cover Loading. Which is basically a surcharge that gets added to your policy (no matter who you take insurance with) that increases the longer you wait to get cover.

Peace of mind

The peace of mind factor can’t be underestimated. We never know what the future holds for us or our families. It’s a concept that we accept when we take out car insurance and hope we never have to use it. But if the time comes, knowing that you have the option to go private, avoid the queues and significantly reducing the potential high costs depending on your chosen level of cover puts you in the drivers seat to get the best outcomes.

We are local

You won’t find many funds that maintain a local presence in the Hunter where you can pop in and discuss any of your needs face to face. You also won’t find any other fund that purely focuses on our private hospital agreements and other services that best meets the needs of Hunter Valley residents. We were born in the Hunter 70 years ago and that’s where our focus remains.

Depending on the policy you take out, Hunter Health Insurance:

• Lets you have treatment in hospital as a private patient
• Can help pay medical costs that Medicare doesn’t cover
• We may also pay benefits for Extras (general treatment) to help reduce the cost for those services outside a Hospital setting.

We have a range of policies that cover Hospital, Extras (general treatment) and Ambulance benefits. If you want both you can take out a combined policy or you can choose to just take out one or two of these components.

Check out our products page to see our range and the detailed benefits.

With private health insurance, you can choose your own doctor and hospital from those who participate with Hunter Health Insurance without having to worry about unforeseen costs.

Depending on your needs you may have to wait for long periods to be served in the Public system using Medicare – particularly for elective surgery. When it comes to your health that’s something you should really want to avoid. While the public system provides great services in emergency situations, if your condition isn’t life threatening you may have to wait for months or even over a year to get serviced. Going Private for these services avoids those waits and having a policy with Hunter Health Insurance can give you access to those services at a fraction of the cost.

Whether you’re taking out a policy for just yourself or for your family, choosing the right policy for your loved ones and/or yourself is important.

However, finding the right policy for a family with a child (or several) can be quite a different process compared to finding the right policy for an individual. It can all depend on your budget, appetite for peace of mind and the types of services you believe you’ll most likely need.

Get a quick quote to see the various policies, benefits and pricing that may be suitable for you – or if you prefer, give us a call and we can walk you through the options.

You can’t claim your private health insurance as a tax deduction. However you can:

• Reduce the cost of your policy with the private Health Insurance Rebate – which is the amount the Australian Government contributes towards your premium.
• Avoid paying additional taxes via the medicare levy surcharge – depending upon your income.