Good health is essential for enjoying life to the fullest and making the most of every opportunity, yet it's the one thing that many Australians also take for granted. Given all the information we have about how to support better health, there are so many ways you can start putting your wellbeing first.
Starting from the inside out is essential – after all, a balanced and nutritious diet with a healthy level of exercise can help to reduce or prevent your risk of several diseases. However, it's important to make sure you have prepared for all eventualities as best as you can.
Medical care is another essential aspect to good health, with treatments, procedures and regular check ups all crucial to keeping your mind and body in the best condition.
Private health insurance can give you the peace of mind and security of knowing your needs will be covered, if you or your loved ones should ever require medical care. While it's important to have family health insurance in place as a preparatory measure, did you know you can make the most of its other benefits as well?
Many types of general treatment policies (also known as ancillary or extras health insurance) offer cover for a wide variety of non-medical health services. Taking advantage of these extras can help you maximise your health insurance benefits, and really make the most of what your policy offers.
What can you do to maximise your benefits?
The first step is to be savvy with your policy, and know what you are entitled to. Depending on the terms and conditions of your insurance policy, you may be able to receive comprehensive, medium or basic cover for services that fall under the 'extras' category.
Basic cover includes at least one of general dental, optical, physiotherapy and chiropractic treatment. Medium cover includes most or all of these as well as podiatry, occupational therapy services and major dental.
Comprehensive cover provides most of or all of these treatments as well as orthodontics, pharmaceuticals and hearing aids.
Even if you don't have a comprehensive level of general treatment cover, there are plenty of ways you can make the most of your insurance policy's extra benefits.
For example, did you know that it's recommended to have a dental check up at least once every year? This could save you even more in the long run, as any problems can be identified before they have the potential to cause more damage to your oral health.
Depending on the type of policy you have, your extras cover may help you keep your oral hygiene on track with regular dental check ups.
Similarly, most people are recommended to have their eyes tested at least once every two years. Vision can change significantly as we grow, and some people will require glasses or contact lenses to help them see on a daily basis.
If you have private health insurance, your extra cover may entitle you to receive a subsidy on certain prescription lenses, spectacle frames and contacts – helping you towards the cost of caring for your eyes.
These are just some of the ways you could maximise your health insurance benefits, but it's important to understand what your policy offers you.
There are many health funds operating in Australia, and many have competitive covers and premiums. If you want to get a more suitable deal for yourself and your loved ones, comparing health insurance with HICA can help you select the best choice for your needs.