Essential Questions to Consider When Choosing a Private Health Insurer
There are some essential questions you should ask yourself when you are considering taking out insurance cover for dental treatments.
Not all Health Funds are the same and there are issues you need to consider to determine if cover is worth the price of your premium.
The Australian Dental Association has devised some questions you should ask yourself before deciding if you should or need to take out private health insurance cover. These questions, when examined by you, have been devised to help you answer the question as to whether insurance for dental services is worth it.
A) Are you covered for the procedures/treatments you want/need?
B) How long will you have to wait before being eligible for rebates on
C) Can you choose your own dentist?
D) Does the health fund have the same rebate for dental services
regardless of which dentists you choose?
E) What is the average percentage of rebates for dental services?
F) Are there any treatments with a nil rebate? Which ones?
G) Are there a large number of complaints against your health fund in the
annual Private Health Insurer Ombudsman report?
H) How do I make a complaint about my health fund?
I) By what percentage did your health fund increase its premiums last
J) Is the gap between premiums and rebates increasing for your health
For more information on private health insurers please see:
Report to the Australian Senate on anti-competitive and other practices by health funds and providers in relation to private health insurance, 1 July 2011 to 30 June 2012
ACCC Private Health Insurance Consolidated.pdf (PDF 931 KB)
Private Health Insurance Fact Sheet
Is general treatment worth it for dentistry?
Submission to the Australian Competition and Consumer Commission (ACCC) Report to the Australian Senate on anti-competitive and other practices by health funds and providers in relation to private health insurance
Private Health Insurance Council Administration Council
Private Health Insurance Ombudsman
2009 State of the Health Funds
ADA Inc. Health Fund and Incident Complaint Form