Your family is established and you’d like affordable health cover for the years ahead
Whether it was one, two, three or more children, your family is now as big as it’s going to get. This means you might be considering setting up your health insurance for the next 5 or 10 years. Chances are, you’ll want the very best care for your kid’s health needs (while you and your partner take a back seat!).
The information below on hospital and extras cover will help you decide what you need and how it might suit your family.
If one or more of you children are dealing with a specific condition, always enquire how a new health insurer can accommodate these needs, including what type of excess you might have to pay for particular services and what the annual limits are on extras services.
Your kids are older now and your health needs have changed
As your kids become teenagers and begin planning for adulthood, you might also be reviewing your current health insurance policy.
For example, are you paying for things you no longer need? Maybe those dental check-ups are few and far between or there are other extras you’d rather be getting benefits for, or perhaps most of your health needs are covered using the Australian Government’s Medicare system.
Are there health concerns which you’d like to check available cover for? The health of teenagers or young adults can be complex. This could include seeking out professional help for mental health issues or the management of an ongoing physical condition.
It’s possible your relationship status may have changed but you’d still like to have health insurance for your kids. You can check information on single parent health cover.
If you’re comfortable with your current level of cover for your family, remember that the Australian government stipulates that once your kids turning 26 they’ll have to take out their own private health insurance.
Every family deserves health insurance that works for them now and into the future
We understand that not everyone has had a perfect experience with their health insurer, or maybe even with travel insurance or car insurance. This could be anything from poor service, to not getting what they were promised, to some single parents not feeling properly represented.
Members Own believe that health insurance should be there when families need it and should never exploit someone’s ill-health or misfortune.
Given the importance of health to so many Australian families, we’re committed to providing clear, unbiased information and a level of service that is second-to-none in our industry.