Private Insurance Options

Spitalschutz - Our options for private hospital insurance

How about the waits at the infirmary? No matter whether we take your call or help you change from another insurance company, we don't want to keep your staff waitin'. Unfortunately, however, idle times (the amount of patience required before a patient can receive treatment) are a universally necessary requirement. Queuing times save us and our members from those who just come to us, demand large sums and then go.

However, we always try to reduce our wait times to an absolutely minimal one. If you come to us from another insurance company, we will take your existing affiliation into consideration so that you do not have to wait at the same or a higher standard. Waiver of the mental hospital wait - New members switching from another sickness insurance scheme who previously had restricted mental hospital coverage can now update their policies without having to wait two months for the higher or extra services.

Waiver for mental health services can only be claimed once in a life and is only available after the first two months of mental health service use. In the case of HIF hospital insurance, the qualifying times are as follows: What is a pre-existing disease? Previous disease can be detected by the existence of evidence or symptom of the disease, suffering or conditions (i.e. it is not necessary for the member or his physician to know what his conditions are or to be diagnosed).

A physician designated by HIF will consider the information provided by your attending physician when determining whether a disease is a pre-existing condition or not.

Do you need private medical insurance?

Although Australia has an exceptional system of medical care, it is certain that private medical insurance will make it worthwhile. The private clinic insurance covers the costs of treating an in-patient in a clinic. If you are receiving care - because waits in the private system are usually less.

Extra insurance will reduce your costs of treating things not covered by Medicare. Whilst you may be feeling in top form today, living has a fun way of tossing us with our healthcare curves, but private medical insurance will prepare you for the unforeseen!