When was the last time you evaluated your health cover? Making sure your health cover is right for your current circumstances is important, which is why you should review your cover every two to three years.
As we grow older, times change and before we know it we realise that the cover we had 10 years ago may not be as suitable now. So it's important to check whether the cover that you currently have includes all the treatments you think you may need in the future.
You can also lower your health cover contributions by choosing to pay an
excess, just as you do with car insurance. You can choose from a nil, $250 or $500 excess, so if you don't go into hospital you won't have to pay the excess.
Many people are concerned that they would be required to re-serve waiting periods if they switch to MediGUARD Health Cover with Australian Unity. As long as you transfer within 30 days of terminating your previous cover, you won't have to re-serve any completed waiting periods if you transfer to an equivalent level of cover.
If you transfer to a higher level of cover whereby benefits were not covered with your previous fund, then you would be required to serve a waiting period for that particular benefit. For example, if you were only covered for general dental and you switch to an Australian Unity product that covers you for major dental, you would then be required to serve a 12 month waiting period before you could claim on major dental services.
MediGUARD Health Cover, provided by Australian Unity, offers ASG Members a 7.5 per cent discount* on health cover contributions when you pay by direct debit.
For more information on how you can be part of a smarter health solution please visit www.australianunity.com.au/mediguard or call 1300 302 422 and mention you are an ASG Member to receive your 7.5 per cent discount*.
*Inclusive of all other retail discounts and when payment is by direct debit. Excludes Healthy Travel Cover.
Australian Unity Health Limited (ABN 13 078 722 568) is a Registered Health Benefits Organisation.