Welcome to the Community @Sharryn
You can use the Choice comparison tool (Choice member content) to see which best meets your needs, have a go at one of the commercial comparisons sites (most are owned by an insurance company and are not all-inclusive nor necessarily unbiased), or try the government site
Hi and welcome to the forum.
I have moved you post to an existing thread which is about comparing health funds.
I hope you are able to get an answer to you question.
I just wanted to mention a health insurance product Iāve finally found useful as a single, young person. HBF Flex 60 Extras.
Basically you have a combined cap on all services of $1000, with unlimited preventative dental. And you get 60% back on all covered services. I have found this very easy to understand compared to other products. By the time Iāve had some expensive medication I needed plus some dental work, Iāve already claimed more than my entire Hospital/Ambulance/Extras package.
The only downside? Iāve only got $34 left before I hit the cap. Itās been an expensive year oops
I used the comparison tool for health insurance and in the results it shows Mildura Health as having a low complaint score. Then when clicking on the āabout this fundā to read more about the company/organisation the rating shows as āmediumā.
Why?
I just use the Health Insurace comparison tool from Choice and itās shocking that it doesnāt show annual limits.
Welcome to the Community @consume and thanks for the input.
I moved both your posts about the comparison tool to this existing topic where they are germane.
Choice staff monitor the forum and @BrendanMays may organise a response to your observations.
In addition to the Choice tool there is also a government tool linked to this post that might also be helpful. FWIW for the past few years both tools have reinforced I am on about the best fund I could be with for my circumstances, so I think both are credible even though they are different with different levels of usability.
An example using the Choice comparison tool including a sample from the Dentals extras cover.
Are these the annual limits you are missing?
I found the tool most helpful. We compared hospital only with a combined policy option that suited our needs. The ratings for gap cover and complaints were also useful when considering a short list of selected funds.
Hi @consume,
Thanks for your comments, and apologies for any confusion we have caused. Iāve let the health insurance team know about the discrepancy. The complaints score is based on Ombudsmen complaints data, and it appears that the correct rating for Mildura is āmediumā. We will update the āabout this fundā page accordingly.
Annual limits typically apply to Extra, so if you were comparing hospital only, that may explain why you didnāt see these. Depending on your inputs into the tool, it should show annual excess that you will expect to pay when using a hospital policy.
If you need any further assistance, please send through your questions and Iāll make sure they receive attention from one of our health insurance experts. If youād prefer, you can send it via email to keep any details private. You can email us at community@choice.com.au so I can direct it to the best person.
