7 ways to maximise your Private Health Insurance Extras

It’s that time of year again, the silly season is upon us. While the focus for most people is getting their Christmas shopping sorted out, most people don’t realise that they could be leaving hundreds or thousands of dollars’ worth of Private Health Insurance extras behind.

Most Australian Private Health Insurance Extras policies operate on a calendar year basis. This means that your annual limits reset on January 1st each year. Unfortunately annual limits don’t rollover, so if you don’t use them – you lose them. We often find that many people don’t even know what extras they are covered for, let alone what their annual limits are.

Below are some commonly used extras which feature on most Private Health Insurance Extras policies.

1. Optical – Most optical retailers run end of year promotions to capitalise on those unused optical annual limits which on-average run between $150 and $300 per person per year. That could mean a new pair of prescription glasses, sunglasses or contact lenses. Tip: Even if you don’t currently require prescription eyewear, we recommend getting your eyes tested under Medicare with generally no out of pocket cost. You may find that you require prescription glasses for specific activities such as using a computer or driving – and this is a great way to utilise your extras cover.

2. Dental – Dental coverage is usually split across 3 areas listed below. If you have been holding off a visit to the dentist, now is a great time as it will save you more costly treatment in the future as well as reducing the dreaded time you spend in the dentist’s chair.

  • Preventative (Examinations, X-Rays, Scale & Cleans),
  • General (Simple Fillings and Basic Extractions)
  • Major. (Crowns, Root Canals and Multi-Surface fillings)

3. Natural Therapies – with all the stress of the holiday season, you may have any number of natural treatments that will restore your mind-body balance. Therapies such as acupuncture, remedial massage, naturopathy, and myotherapy are just a small number of natural therapies you could be using. Rebates generally start at $20 per session for basic extras cover and all the way up to 90% rebate of the treatment cost on top extras covers.

Some of the more comprehensive extras covers feature the following:

4. Lifestyle Benefits – claim on approved gym memberships and personal training costs

5. Sunglasses, swimwear, hats and sunscreen (make sure they’re Cancer Council approved)

6. Children’s Swimming lessons – utilise rebates for children’s swimming lessons just in time for the school holidays

7. Travel Vaccinations – save hundreds on travel related vaccinations before you head overseas

At Health Deal, our sales specialists can view all Australian Private Health Insurance policies and are specialists at helping you understand your level of cover and any special needs you may have.

So why not give us a call on 1300 369 399 and make sure you aren’t missing out.

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