best health insurance australia reddit

So if you go off it for 10 years, it'll cost you 20% more when you go back on.Lets say you pay health insurance for the next 30 years and it stays the same cost (it wont but just to simplify it). Basically if I'm his visa sponsor I figured he's called the dependant. I'm not with them, but friends tell me HCF is kind of ok.Don't use iSelect or similar sites, scammers the lot of them.Not scammers per-se, they just don't compare all insurers and recieve commissions on referrals they make (which is pretty much common knowledge).If you qualify for Medicare, don't bother. Need a knee replacement when you're older? no politics.

I'll get eye and dental checkups twice a year at most.

Interestingly those who don't drink at all on average have slightly higher risk than those who drink a small amount.I figure the likelihood of my care costing a lot is low overall as I'm safe and made it through childhood without getting congenital/genitic things. But now I've got two healthy kids and I'm pretty healthy too, and my relationship circumstances have changed.So I'm getting charged for couples care something like $300+ a month for health care I don't really use, and extras I don't use. For example if your family has a history of breast cancer then it might be worth keeping.New comments cannot be posted and votes cannot be castA dusty corner on the internet where you can chew the fat about Australia and Australians.Press J to jump to the feed. If I do end my coverage I'll put the equivalent monthly fee into a savings account and draw upon it for dental etc.Importantly, although I agree with you that private health insurance is a scam in Australia, even when insurance is not a 'scam' per se, the whole point is that the young well people subsidise old sick people.This is, after all, how public health works - most people are well and paying tax, and a smaller proportion are sick.The problem is where there's a profit incentive to overservice, and where private insurers can scrape the public purse anyway (both huge issues in Australia). Close. Also, I’m from Victoria, Australia. By using our Services or clicking I agree, you agree to our use of cookies. Lets say you pay health insurance for the next 30 years and it stays the same cost (it wont but just to simplify it). Over a timeline, the insurance companies expect to win out with people paying more in premiums than they spend on your cover.

If I do have an accident the acute care will be the same. Also check out the Australian medical associations annual report on private health funds. Of those, the acute situation will be taken care of in the public/pvt system in the same manner. But most are on par with Australia anyway, but very applicable to USA citizens.Also worth considering that people are definitely going to ruin our health system even more as insurance and docs grab for money and we will gradually look more and more like USA.TLDR; Its up to you but if you have at least 20k in the bank and you don't drugs, smoke, drive much, have normal BMI, no craziness of Hx, I think health insurance is a rip off.First off, get rid of all extras and have the highest deductible you can.

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