Author Topic: Private Health Insurance.  (Read 16875 times)

0 Members and 1 Guest are viewing this topic.

Offline Bunyip

  • Hard Floor Camper User
  • *****
  • Posts: 1208
  • Thanked: 15 times
  • Gender: Male
  • Lucky to have such a supportive SWMBO as LB
Re: Private Health Insurance.
« Reply #100 on: February 15, 2018, 03:01:17 PM »
My only issue with private health insurance is the rate of increase at double(ish) CPI, with wages going up less than CPI these increases are costing a heck of a lot more in real terms for families.

I have had insurance all my life, as has SWMBO and out kids, but once the kids turn 25 we can no longer afford to pay for their cover and there is no way they are going to be able to afford it themselves.
2002 Landcruiser GXV




Offline Pete79

  • Hard Top Camper User
  • ******
  • Posts: 1779
  • Thanked: 183 times
  • Gender: Male
Re: Private Health Insurance.
« Reply #101 on: February 15, 2018, 05:01:30 PM »
Time for the gov to do a full reboot. ;)

“Everybody logout!
We’re gunna shutdown it down and restart.

There’s bound to be a couple of programs that need to be forced to close, but there’s obviously too many dodgy processes going on at the moment and the system isn’t running properly.

After you’ve logged out, go make a coffee and relax for a while. Don’t worry we’ll have everything up and running again soon and it will work better then ever.” ;D

Offline Pete79

  • Hard Top Camper User
  • ******
  • Posts: 1779
  • Thanked: 183 times
  • Gender: Male
Re: Private Health Insurance.
« Reply #102 on: September 13, 2018, 02:13:33 PM »
Not quite private health insurance, but principals are the same....

Quote
Breast cancer surgery wasn't 'radical' enough for CommInsure.

CommInsure refused to pay out a woman with breast cancer because it didn't consider she'd had "radical" breast surgery, despite the evidence of her doctor and surgeon.

The financial services royal commission on Thursday heard that CommInsure repeatedly denied her claim on the basis of an outdated and arbitrary definition of "radical" breast surgery, which it argued only included a mastectomy, despite that definition not appearing anywhere in the policy documents.

The woman bought trauma insurance in 1996 and was diagnosed with "carcinoma in situ", a form of breast cancer, after a mammogram in March 2016. She was treated with breast-conserving surgery as well as radiotherapy - a combination of treatment now often used as an alternative to a complete mastectomy.

After the woman's claim was originally rejected, the woman's treating doctors, including her surgeon and radiation oncologist, provided evidence stating that she had had radical surgery.

"The treatment received is radical because radiotherapy was required as an alternative to mastectomy," the surgeon wrote.

.....

Under questioning from Ms Orr, Ms Troup refused to agree to a review of claims it had rejected based on its definition of "radical breast surgery".

Ms Troup said it was "something that's on my mind having prepared for today" but she wanted to discuss it with "the business".

"But you're not prepared to make a commitment that that will happen?" Ms Orr asked. "Not today, no," Ms Troup said.

https://www.theage.com.au/business/banking-and-finance/breast-cancer-surgery-wasn-t-radical-enough-for-comminsure-20180913-p503j6.html

Offline db

  • 2019 National Meet Volunteer
  • Soft Floor Camper User
  • *****
  • Posts: 564
  • Thanked: 27 times
  • Gender: Male
Re: Private Health Insurance.
« Reply #103 on: September 13, 2018, 05:33:00 PM »
"... "But you're not prepared to make a commitment that that will happen?" Ms Orr asked. "Not today, no," Ms Troup said"

First against the wall when the revolution comes?  >:D
Modcon Quattro
NW Pajero GLX-R

Offline Bigfish

  • Hard Floor Camper User
  • *****
  • Posts: 778
  • Thanked: 131 times
  • Gender: Male
Re: Private Health Insurance.
« Reply #104 on: September 13, 2018, 05:39:06 PM »
"... "But you're not prepared to make a commitment that that will happen?" Ms Orr asked. "Not today, no," Ms Troup said"

First against the wall when the revolution comes?  >:D

Yep...I hope the bitch gets breast cancer and is treated like the others who were told to piss off.  What a poor excuse of a human.

Offline plusnq

  • Hard Top Camper User
  • ******
  • Posts: 1696
  • Thanked: 135 times
Re: Private Health Insurance.
« Reply #105 on: September 13, 2018, 05:39:47 PM »
"... "But you're not prepared to make a commitment that that will happen?" Ms Orr asked. "Not today, no," Ms Troup said"

First against the wall when the revolution comes?  >:D

Hand me the gun.

Offline Bird

  • Once Was Lost, now am found
  • Hard Top Camper User
  • ******
  • Posts: 17907
  • Thanked: 1031 times
  • Gender: Male
  • Life is far too long....
    • My Place.
Re: Private Health Insurance.
« Reply #106 on: October 10, 2018, 10:32:19 AM »
Time to play the last post.

Private health premiums could rise by 12 per cent next year, leaked modelling shows

https://www.theage.com.au/healthcare/private-health-premiums-could-rise-by-12-per-cent-next-year-leaked-modelling-shows-20181009-p508lw.html
-
Click to enlarge

Asssembled by Lifestyle Qld
Transformed by Kiwi in Melbourne
Wiring by Evo

Offline glenm64

  • Hard Top Camper User
  • ******
  • Posts: 1716
  • Thanked: 285 times
  • Gender: Male
Re: Private Health Insurance.
« Reply #107 on: October 10, 2018, 11:29:22 AM »
Time to play the last post.

Private health premiums could rise by 12 per cent next year, leaked modelling shows

https://www.theage.com.au/healthcare/private-health-premiums-could-rise-by-12-per-cent-next-year-leaked-modelling-shows-20181009-p508lw.html
Its just the usual ploy.
Tell them its gunna rise12%. When it comes out its only 8% every thinks, geez its not as bad as I thought it was gunna be. But if it just goes up 8% without warning everyone would be screaming theyve been ripped off.
Politians have been doing it for ages.
There's a big difference between kneeling down
......... and bending over.

Offline Bird

  • Once Was Lost, now am found
  • Hard Top Camper User
  • ******
  • Posts: 17907
  • Thanked: 1031 times
  • Gender: Male
  • Life is far too long....
    • My Place.
Re: Private Health Insurance.
« Reply #108 on: January 11, 2019, 03:20:38 PM »
theres lots on the news about all these companies mailing people telling they will be getting covered for less, and ... a price increase

There has to be a better way.
-
Click to enlarge

Asssembled by Lifestyle Qld
Transformed by Kiwi in Melbourne
Wiring by Evo

Offline krisandkev

  • Hard Top Camper User
  • ******
  • Posts: 1625
  • Thanked: 58 times
Re: Private Health Insurance.
« Reply #109 on: January 12, 2019, 06:35:09 AM »
theres lots on the news about all these companies mailing people telling they will be getting covered for less, and ... a price increase

There has to be a better way.

Maybe they are getting in early when there is a change in gov. Shorten has said he will limit their rate rises to 2  percent each year and the funds said they will have to drop some services. So maybe they think with the change in how funds are rated soon they may as well get ready for the new gov?  Kevin
Kris and Kev
2008 TTD Landcruiser 200 GXL, Aust Off Road Camper, 20ft Bushtracker.

Offline Bigfish

  • Hard Floor Camper User
  • *****
  • Posts: 778
  • Thanked: 131 times
  • Gender: Male
Re: Private Health Insurance.
« Reply #110 on: January 12, 2019, 08:35:02 AM »
theres lots on the news about all these companies mailing people telling they will be getting covered for less, and ... a price increase

There has to be a better way.

There,s only one way to beat the bastards...dont get sick...simple!


I wish. :'(

Offline tryagain

  • Hard Top Camper User
  • ******
  • Posts: 2629
  • Thanked: 320 times
  • Gender: Male
Re: Private Health Insurance.
« Reply #111 on: January 12, 2019, 11:10:07 AM »
Maybe they are getting in early when there is a change in gov. Shorten has said he will limit their rate rises to 2  percent each year and the funds said they will have to drop some services. So maybe they think with the change in how funds are rated soon they may as well get ready for the new gov?  Kevin

If they can't increase their prices, they will just cut their services to maintain profits.
I think one of the issues is that now days public hospitals all want to know if you have private cover as well and then claim whatever they can from the fund, this means that funds are now having to fork out more $$$ without the customers receiving any additional benefit.

Offline Bigfish

  • Hard Floor Camper User
  • *****
  • Posts: 778
  • Thanked: 131 times
  • Gender: Male
Re: Private Health Insurance.
« Reply #112 on: January 12, 2019, 01:19:05 PM »
If they can't increase their prices, they will just cut their services to maintain profits.
I think one of the issues is that now days public hospitals all want to know if you have private cover as well and then claim whatever they can from the fund, this means that funds are now having to fork out more $$$ without the customers receiving any additional benefit.

If they ask...say no I cant afford it..thats why I,m here.

Online Pottsy

  • Hard Floor Camper User
  • *****
  • Posts: 857
  • Thanked: 78 times
Re: Private Health Insurance.
« Reply #113 on: January 12, 2019, 03:15:02 PM »
Sadly for some private health is the only option. We have private health and couldn't be without it, with the wife's Parkinson operation we paid over 15k out of pocket expenses but health fund covered in excess of 100k. If we had gone public we would still be waiting, the public health system only does 6 of these ops per year in SA, by the time it would have been our turn it would have been too late.
I've been in private health for 40+ years and with everything we have had done plus the three kids I reckon we,d be in front.
if God had meant me to walk he wouldn't have invented 4wds! Mitsubishi Challenger Pc 2014 (Blondie)
Challange Meredien Offroad Walk Thru

Offline Bird

  • Once Was Lost, now am found
  • Hard Top Camper User
  • ******
  • Posts: 17907
  • Thanked: 1031 times
  • Gender: Male
  • Life is far too long....
    • My Place.
Re: Private Health Insurance.
« Reply #114 on: January 12, 2019, 08:34:51 PM »
Quote from: Pottsy
Sadly for some private health is the only option.
Yep, true... but the way its going, costs going up - and offering less..  even they - the ones who really depend on it will be squeezed out...
-
Click to enlarge

Asssembled by Lifestyle Qld
Transformed by Kiwi in Melbourne
Wiring by Evo

Offline alnjan

  • Hard Top Camper User
  • ******
  • Posts: 2675
  • Thanked: 123 times
  • Gender: Male
Re: Private Health Insurance.
« Reply #115 on: January 12, 2019, 09:06:35 PM »
Sadly for some private health is the only option. We have private health and couldn't be without it, with the wife's Parkinson operation we paid over 15k out of pocket expenses but health fund covered in excess of 100k. If we had gone public we would still be waiting, the public health system only does 6 of these ops per year in SA, by the time it would have been our turn it would have been too late.
I've been in private health for 40+ years and with everything we have had done plus the three kids I reckon we,d be in front.

We are in the same boat and with cancer as a precondition, no one else is prepared to take you on.  In the meantime, learn how to you use the benefits the Private Cover does offer to get the most out of Physio, dentist, and the likes. 
Cheers

Al and/or Jan

Offline JusyApples

  • Soft Floor Camper User
  • ****
  • Posts: 351
  • Thanked: 31 times
  • Gender: Male
Re: Private Health Insurance.
« Reply #116 on: January 13, 2019, 07:10:53 AM »
We are in the same boat and with cancer as a precondition, no one else is prepared to take you on.  In the meantime, learn how to you use the benefits the Private Cover does offer to get the most out of Physio, dentist, and the likes.
We spoke about it last week. We pay $140 odd a fortnight for 2 x 30 something year olds with no health issues. We debated whether it would be more beneficial for us to put that money in an account instead of paying private health but unfortunately if you have that one big accident we may need that health insurance to cover the bills.


Sent from my iPhone using Tapatalk
Bought a what?
Researching my next camper

Offline MuruCycles

  • Soft Floor Camper User
  • ****
  • Posts: 718
  • Thanked: 82 times
Re: Private Health Insurance.
« Reply #117 on: January 13, 2019, 07:31:05 AM »
this will be odd to mention but...

Kyria and I have no private health insurance. (simply can't afford it)

Tucker, our dog, has had full cover since he was born. costs us $29 a week.

the difference, we have access to the public health system. He does not. (and vet bills are seriously scary)

Wayne & Kyria Chapman
www.desertchallenge.org
www.murucycles.com
our "half an 80 series" camper trailer build http://www.myswag.org/index.php?topic=48738.0

Offline krisandkev

  • Hard Top Camper User
  • ******
  • Posts: 1625
  • Thanked: 58 times
Re: Private Health Insurance.
« Reply #118 on: January 13, 2019, 07:41:24 AM »
Like others who have and still have health issues we really have no choice, even being self funded retirees we need private health. One of the best things is the ability to get treatment straight away, not be put on a waiting list.  Kevin
Kris and Kev
2008 TTD Landcruiser 200 GXL, Aust Off Road Camper, 20ft Bushtracker.