What to ask your health insurer when looking at a policy

There's no such thing as a stupid question.


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Getting health insurance can be a complicated thing. With so many funds and different levels of cover to choose from, it can be a bit tricky to work out what you really need and how much benefit you actually get from it. Here are a few questions you can ask a health insurer when you’re looking at getting a policy.

  • Which hospitals have agreements with this fund?
  • Do I still have a bill to pay even on top of the hospital cover?
  • What is excluded or reduced under partial hospital cover?
  • Is the excess payable once a year or for each hospital visit?
  • How do the annual benefit limits compare across funds?
  • What are your waiting periods?
  • What is the definition of a dependent child?
  • Can I lower the premium by excluding certain treatments?
  • Are alternative therapies included in ancillary cover?
  • Can I claim for 'wellbeing' costs such as gym membership?