Why have Private Health Insurance?

Why risk not having it? With private health insurance you have the peace of mind of knowing you and your family can be treated when you want, by the doctor or specialist you prefer and in the hospital of your choice.

If you are sick you can focus on getting better rather than worrying about lengthy public hospital waiting lists (as a public patient) or large out-of-pocket expenses (as a private patient). Consider the following benefits:-

No public waiting lists

Public hospital patients have to join a queue for many procedures classified as elective surgery– and the wait can be many months. With hospital cover you choose when you want the treatment, subject to private hospital and specialist availablity.

Choice of hospital

At Police Health we leave the choice of hospital to you and your doctor – full benefits apply in all registered hospitals for recognised services.

Choice of doctor

Police Health has no interest in directing you to a particular doctor or any other health care provider. You have the freedom to make true choices about who treats you and where.

Financial incentives

On top of these benefits, the Federal Government offers three compelling financial incentives to encourage people to join a private health fund.

Incentive one – Australian Government rebate on private health insurance

This rebate on health fund contributions involves reduced premiums direct from Police Health. And the older you get, the greater the rebate, you must be registered with Medicare and earn less than $272,000 as a family income or $136,000 as a single income for the 2013/14 Financial Year . See Government Rebate for more information.

Incentive two –Lifetime Health Cover

This rewards people who take out private hospital cover early in life by guaranteeing lower premiums. The longer you delay, the more expensive it gets. See Lifetime Health Cover for more information.

Incentive three – Medicare Levy Surcharge

Those on high incomes are charged a percentage of their income on top of the normal 1.5% Medicare Levy if they don't have private hospital cover. See Medicare Levy  for more information.

The cost of healthcare without insurance

People are often surprised at the cost of medical treatments without private health insurance.

Using our actual claims, Police Health has calculated the indicative average cost of typical hospital, dental and other healthcare treatments. These figures are only indicative examples and should not be taken as the actual cost of any service or treatment.

Hospital

Indicative average costs of hospital treatment. 

Between January 2011- September 2011

Description NT QLD SA TAS     WA
Hip replacement n/a
$25,000.00 $23,000.00 n/a
 $24,000.00
Appendix removal n/a
$4,000.00 $5,200.00 $6,000.00  $6,000.00
Knee reconstruction $3,300.00 $3,800.00 $3,300.00 $5,200.00

 $4,000.00

Heart surgery $4,500.00 $6,600.00 $10,000.00 $4,200.00  $4,800.00
Ambulance to hospital $500.00 $400.00
$800.00 $1000.00  $700.00
Per night accommodation $1,000.00 $1,000.00 $1000.00 $1000.00  $1,000.00

Ancillary

Indicative average costs of treatment. 

Between January 2011- September 2011

Description NT QLD SA TAS WA
Chiropractor initial visit $74.00 $73.00 $74.00 $60.00 $73.00
Chiropractor subsequent visit $47.00 $46.00 $44.00 $45.00 $49.00
Physiotherapy initial visit $84.00 $78.00 $71.00 $74.00 $72.00
Physiotherapy subsequent visit $67.00 $66.00 $58.00 $65.00 $63.00

Dental

Indicative average cost of dental treatment.

Description NT QLD SA TAS WA
Comprehensive oral examination $60.00 $54.00 $51.00 $56.00 $54.00
Periodic oral examination $55.00 $47.00 $47.00 $53.00 $48.00
Oral examination – limited $55.00 $40.00 $43.00 $43.00 $43.00
Consultation $55.00 $53.00 $53.00 $57.00 $56.00
Intraoral periapical or bitewing radiograph – per exposure $42.00 $37.00 $40.00 $38.00

$39.00

Diagnostic model – per model $50.00 $50.00 $55.00 $57.00 $58.00
Removal of plaque and/or stain $71.00 $51.00 $55.00 $51.00 $56.00
Removal of calculus – first visit $120.00 $94.00 $96.00 $93.00 $97.00
Topical application of remineralising and/or cariostatic agents, one treatment $27.00 $27.00 $29.00 $30.00 $30.00
Fissure sealing – per tooth $60.00 $49.00 $43.00 $43.00 $51.00
Removal of a tooth or part tooth $154.00 $141.00 $127.00 $150.00 $138.00
Adhesive restoration: one surface – anterior tooth – direct $131.00 $117.00 $110.00 $131.00 $118.00
Adhesive restoration: two surfaces – anterior tooth – direct $162.00 $143.00 $135.00 $157.00 $143.00
Adhesive restoration: three surfaces – anterior tooth – direct $192.00 $167.00 $158.00 $181.00 $164.00
Adhesive restoration: one surface – posterior tooth – direct $140.00 $125.00 $119.00 $136.00 $129.00
Adhesive restoration: two surfaces – posterior tooth – direct $177.00 $159.00 $152.00 $171.00 $166.00
Adhesive restoration: three surfaces – posterior tooth – direct $215.00 $190.00 $185.00 $198.00 $194.00
Adhesive restoration: four surfaces – posterior tooth – direct $259.00 $213.00 $202.00 $225.00 $215.00
Pin retention – per pin $31.00 $29.00 $28.00 $28.00 $30.00
Cusp capping – per cusp $35.00 $31.00 $27.00 $30.00 $37.00
Full crown veneered – indirect $1,467.00 $1,387.00 $1,314.00 $1,423.00 $1,285.00

Dental data sourced from the claiming process in the Department of Health and Ageing 2010 Reports, extract found on  www.privatehealth.gov.au 

Figures have been rounded to the nearest dollar.