If you live rurally or regionally, it's worth finding out how a health fund will make its benefits worthwhile to you.
Usually, you'll only be paid a percentage of the final bill, up to a certain limit. Health insurance doesn't always cover all of the costs associated with an illness or injury. This means that if you buy a policy today, you might not be able to make a claim for a certain treatment until months or even years later. Health funds often apply wait times on certain procedures. You may have to pay an excess if you're admitted to hospital and opt for private treatment, but the amount will vary depending on your health fund and specific policy. However, if your preferred service provider isn't in your health fund's partner network, you might not be able to claim as much money back. Health funds partner with various medical professionals and service providers, so you can choose who performs your knee replacement or which dentist does your root canal. However, there are a few important points to consider when choosing your health fund, including how partner networks operate, how excesses and waiting times are applied, and what out of pocket costs you should expect. Some focus on specific regions, some are only open to particular groups, and some operate for a profit, while others don't. Which are the best health funds in Australia?
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