Which level of extras cover is right for you?
Finding out which level of cover which is right for you will depend on your health care needs and budget. After all, you don’t want to take out comprehensive insurance only to realise paying the premiums is a stretch and you’re not utilising all the benefits.
Typically, basic extras is ideal for young and healthy individuals that don’t have a complicated health history. These people use their cover to pay for dental treatments and the odd physiotherapy session. Growing families or those singles and couples entering their middle age with average health care needs may benefit more from medium extras cover. It’s more affordable than comprehensive and can help cover the costs of your children’s dental treatments. Or you may use the benefits of optical and physio to combat the effects of ageing.
Comprehensive extras insurance is ideal for those who want to pay for a greater level of security. Families with children who have a family history of poor dental or eye health may benefit from this higher level of coverage. Comprehensive extras will help cover the costs of braces and crowns or prescription glasses and contact lenses.
Comprehensive extras could also be a wise investment to singles or couples who regularly utilise a range of out-of-hospital health care services and therapies. With some policies, you can even benefit from discounted gym memberships which will help you remain fit and healthy. It may be the very thing you need to get you off the couch and into the gym!
Extras Cover Policy - Is It Worth the Cost?
When deciding whether to get extras cover in private health insurance, it's important to consider the costs versus paying for health services out of pocket. One key benefit of having extras coverage is that it encourages you to utilise health care services more frequently.
For example, regular dental cleanings can help prevent the need for expensive treatments like fillings or root canals. Additionally, with extras coverage, you're more likely to visit health care professionals like podiatrists or physiotherapists, as the majority of the cost will be reimbursed.
By taking advantage of these services, you not only save on costs but also improve your overall health and well-being.
To sum it up, extras cover in private health insurance will certainly save you money when compared to paying out of pocket, especially if you plan on using certain services more frequently.