3 Tips For Rural Families to Save Money This Christmas

Christmas for most Aussie families is an expensive time of year. Kids these days are hoping Santa brings them more expensive gifts with each passing year.

Christmans Theme sand statue

If you live outside of a major metro area and you already know January is going to be a tight month, then continue reading because we’ve got some cracking Christmas tips on how to save money on your health insurance to give you some price relief over this expensive time of year.

Tip 1 Ring Your Health Fund

Yes, we’re a health insurance broker, but if you don’t fancy talking to us directly, then you should still ring your health fund and still see if there is a better option with your current health fund. A perfect example of this, is families who have finished having children.

As a general rule, to have pregnancy covered requires top cover which can be quite expensive. If you’ve finished having kids, then you might not require top cover still if you’re in your 30’s or 40’s. So ask if you can take it off your plan, and save yourself some money in the meantime.

Remember if you take a procedure off your plan, you’ll only have to wait 2 months to add it back on if it’s a new condition, or 12 months if it’s pre-existing.  

Tip 2 Maximise Your Dental

If you’re with one of the big brand name health funds, then chances are you were probably attracted to them with the offer of no-gap dental on check-ups. 

Having this option with a family can be an absolute life saver, as you don’t need me to tell you how expensive dental can be in Australia. But what if you don’t live near a preferred provider?

If there are no preferred providers near you to offer you no-gap check-ups, then you should seriously consider shopping around. Did you know for example, there are some funds which will give you back $191.50 for your yearly check-up (012), clean (114), and fluoride (121), that equates to a massive $766 in claims for a family of four going just once for an annual check-up.

There are also some health funds that will give you back 60% across all dental, no matter where you go! 

Meaning you can continue going to the same family dentist you’ve always gone to, but with added security of knowing you’ll be getting 60% off the bill each time.

Health funds for dental plan

Health insurance isn’t as complicated as people like to make it out to be, but comparing with Health Deal makes it doubly easy. Enter your details below and a Health Deal consultant will get in contact with you to discuss your options. 

The process is simple, we’ll see what policy you’re on, well conduct a needs analysis to assess what you actually need coverage for, and compare it to our panel of health funds.

It’s always our aim to not only lower your monthly premium, but crucially to improve your benefits on the items that you use most often. 

Anyone can slash your benefits to save you money, we want to give you value for money, that’s why we’re rated 9.6/10 via Trust Pilot.

Renee Tan made the process simple.
Renee Tan made the process simple.
Tanya 17/10/2019
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Renee Tan made the process simple. She very clearly explained all the options and changes and how that would and could impact our health insurance. Renee gave great service, which makes me want to recommend your services to my family and friends.
Responded very quickly to my email for…
Responded very quickly to my email for…
Shirley 17/10/2019
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Responded very quickly to my email for help on finding a medical fund. Mark that I spoke to was great at helping and explaining everything to me that I needed to know. went through every step in detail and always asked if I had any question during the course of our conversation
Excellent service
Excellent service
Kristine 16/10/2019
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Excellent service. Daniel is really good in explaining everything and very patient.
Daniel listened to what I wanted
Daniel listened to what I wanted
Lorraine 16/10/2019
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Daniel listened to what I wanted , sent me email to review and called back when he said he would , also saved me $50+ per month , and kept adult kids on policy for a bit longer .
Wasn’t pushy
Wasn’t pushy
Shaylee 01/10/2019
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Wasn’t pushy, asked what I required gave me adequate thinking time and I got off the phone a happy customer
This team and in particular Daniel
This team and in particular Daniel
Peter 20/09/2019
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This team and in particular , Daniel was very helpful , took the time to explain in detail all aspects , and was very understanding and patient Highly recommend them
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