Is it time to update your health cover? Here are 4 signs that mean you
Or you could cut to the chase and try our
3-minute cover recommendation tool
Our lives are constantly changing and it's all too easy to let your
health insurance fall out of step with your needs.
That's especially the case when it comes to common claims like seeing the
dentist, getting glasses or contacts, or booking a physio after tweaking
your back, for example.
So, should you be updating your health cover? If any of these
situations describes you, then the answer is probably
Update your health cover if you've hit the limits of your current plan
Maxed out your dental? Hit the cap on visits to the psychologist? This is
a sign that you might want to upgrade. Increasing your coverage could give
you more back when you claim, or offer a higher annual limit so you can
get covered for more check-ups and appointments.
Update your health cover if you've started a family
Life gets hectic when you throw a few kids into the mix. Think about
what's coming up for you and whether you're covered.
Extra care before and after pregnancy. The body changes a lot during pregnancy. Being well covered can help
you adjust and give you peace of mind through this time of
change. Things like physiotherapy, health checks and
natural therapies may be more useful to you now than they were
Kid's teeth (and braces).
As they get older, kids need dental check-ups, x-rays, fillings and
sometimes braces. Get covered for these ahead of time as Major Dental
and Orthodontic services have 12-month waiting periods. Also consider
reading more about
Helping kids grow up strong.
If you've got kids in school, think about sports injuries and
physio treatment for growing pains. Also, it's not uncommon for
speech therapy to be recommended by schoolteachers.
Parents need cover, too.
Anyone who's hefted a struggling child over their shoulder –
every day, for several years – has dreamed of remedial massage.
And when lifting kids becomes chasing kids, even supermum and superdad
need to watch out for injury and keep it at bay if they can. This is
where physio, chiro and osteopathy can become important.
Don't just think about your needs in the near future. Ask yourself
what coverage your family might need in two or three years' time and
add it to your health insurance now. (You might be very glad you
Update your health cover if you've started at the gym or play a sport
If you've become more (or less) active, you might find yourself
booking different doctor's appointments. It could be time to update
your health cover.
Have you started going to the gym or exercising?
Well done! Make sure you can keep up the good work by getting covered
for the treatment you might need for gym injuries and recovery.
Have you started playing a sport?
Have fun! But take care of yourself - sports increase
your risk of injury. In
fact, Australia leads the world in preventable sports injuries like ACL
Have you recently changed jobs?
Jobs like construction, farming and anything that involves physical
activity carry a higher risk of injury. And if you've moved from
an active job to a desk job, you can develop back, neck or wrist
problems that it pays to have cover for.
Update your health cover if it's been a while
It's also a good idea to at least check over your health cover if
it has been a while since you took it out or last updated it. Here are
some things to consider:
How long ago did you take it out?
If it's been a while, you're pretty likely to need different
cover for some of the reasons we've just looked at.
Did you go too cheap? Too expensive?
Did you go for the cheapest option available and can you now afford a
higher level of coverage that might give you more peace of mind?
Did you opt for a high level of coverage and, actually, there's a
lot you're paying for that you think you'll never use or
don't need anymore?
How old are you now?
As we get older our health needs change. That's especially the
case after the age of 46. (Sorry, it's just a fact! You're
more likely to need podiatry, a prosthesis or a hearing aid, for
example, after the age of 46.)
OK, so how do I update my health cover?
You can adjust your cover online, over the phone or in a branch.
If you're doing it online, read up on your current cover and
compare your options. You'll be making the decision off your own
bat, so look carefully at not just the price, but the level of cover
you'll get – and the fine print too.
If you're changing your cover over the phone or in a branch, you
can bring your thoughts or notes with you and talk through the best new
level of cover for you.
Extras explained – how much do I get back?
Certainty feels good, that’s why we’ve created a line-up of extras options that give you a guaranteed % back^ on your visits to popular services like Physio, Chiro, and Dental.
Explore HBF Extras
^Annual limits and waiting periods apply. Percentage back benefits are payable for services, programs and providers approved by HBF, when provider charges in accordance with the Member Plus schedule fee. Excludes Basic Extras and closed products.