One of the main reasons why people choose to buy private health insurance is the added confidence they receive from knowing they are covered in case a serious injury occurs.
An acquired brain injury is, more often than not, a permanent condition.
With access to private facilities, people have a greater range of options for how they are treated immediately after an accident or illness, as well as the recovery period afterwards. An example is people who suffer from an acquired brain injury.
Brain Injury Australia says that more than 600,000 Australians have such a condition, causing significant impacts on their livelihoods. Three-quarters of these are under the age of 65, and two of every three sufferers receive their injuries before reaching 25 years of age – making it particularly pivotal to those considering a family health insurance plan to provide health care benefits to their children.
It is also more prevalent in men, with three in every four suffers from the male demographic.
So, what else should you know?
What is an acquired brain injury?
An acquired brain injury is the result of damage to the brain after birth. It can be caused by accident or trauma, such as a car collision or sporting injury. However, there are other ways a person may suffer an acquired brain injury, including the effects of brain infection, brain diseases such as Parkinson's, Multiple Sclerosis and Alzheimer's, or through excessive alcohol consumption and drug abuse.
The most common cause is a stroke – when the supply of blood to the brain is stopped by a clot or other means.
Brain Injury Australia found that strokes are becoming more common in Australia, with around 60,000 new cases occurring every year as the population ages. It's not only a condition limited to the elderly, however, with a fifth of stroke sufferers being under the age of 55.
Living with an acquired brain injury
An acquired brain injury is, more often than not, a permanent condition. Statistics from the Australian Institute of Health and Welfare show that 97 per cent of all victims of acquired brain injury had "severe or profound core activity limitation".
Those who suffer the injury are also affected by a particular set of problems, including:
- Loss of cognitive function
- Entering a coma or suffering reduced awareness
- Difficulty to communicate
- Changes in emotional and behavioural reaction
- Hormone imbalances
- Post-traumatic amnesia
Looking into health insurance
If you want to consider your options for purchasing private health insurance for yourself, your family or even your employees through a corporate health plan, HICA is here to help.
Our experts are able to help you compare health insurance products, providers and policies to find a level of coverage that suits your needs and budget.
To speak about your requirements, call our team on 1300 44 22 01.