Medical Insurance

Quite often we come across people who do not have medical insurance, because they are not aware that they may not be treated immediately for their illness under the public health system and end up in a long waiting list. Or they may believe that “nothing will ever happen to me”.

Could you imagine yourself diagnosed with a life threatening condition such as cancer and then find yourself on a long waiting list? Can you afford to wait till your turn arrives for treatment?

Everybody would love to believe that “nothing will ever happen to me”. However reality tells a completely different story.  Often we come across the situation where a healthy young guy who never had any medical problems was suddenly diagnosed with some sort of illness.  It never comes with a warning label.

Do you know that once you are diagnosed with some medical condition, if you haven’t already organised your medical insurance, the chances of you getting medical cover on standard terms is very low. You may end up paying a higher premium, having a condition exclusion or even getting a complete decline from the insurance provider.

If you have a car accident without insurance, can you then go and arrange new cover and expect to be paid for the damages.  The simple answer is “NO” as the event took place before you took the insurance policy.  In the same way, in most cases premedical conditions are excluded by the insurance provider. So why wait until you get sick and develop a medical condition...  too late!

Your medical cover will reimburse 100% cost up to reasonable charges to the limit given under your policy.

There are many more advantages that come as part of your medical policy such as:

• Overseas Treatment
• Home Nursing Care
• Funeral Support
• Specialist & Diagnostic Test
• Public Hospital Cash Grant
• Transfer Benefit
• Care Giver Accommodation
• Medical Misadventure
• Support Person Transport & Accommodation
• Sterilisation Benefit
• Waiver of Premium

If you find out that you need treatment and you need to put a claim in, contact us and we will organise the claim form and apply for the pre approval for you. Once the insurer confirms pre approval, it’s all good to go ahead with your treatment.

For further details and information about Medical Insurance call us and we will help you.