Our Budget Direct Health Insurance review gives you the opportunity to compare features and benefits available on their Hospital and Extras cover options.
Evaluating Budget Direct Health Insurance
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With health insurance from Budget Direct you choose your doctor, surgeon or specialist. Not only that, but their Hospital and Extras mix-and-match packages help you choose the right cover for your current stage of life while minimising out-of-pocket-expenses.
You’ll also get to choose between 50% and 85% back on your consultation or treatment cover, depending on the policy you choose.
An active, healthy lifestyle has far-reaching benefits. Not only does it help you face the future with confidence, it enables you to continue to provide for yourself and your family. Having the right health cover helps you maintain financial control during times of ill health or injury.
Brought to you by GMHBA Ltd
Budget Direct Health is owned by GMHBA Health Insurance, a member-based, non-profit health fund which has been in operation since 1934. GMHBA is one of Australia’s top health insurance providers.
Budget Direct Health Insurance Review
With cover options like Budget Direct’s Family Value Package and Single Parent Membership you, your partner and anyone under the age of 21 living with you, including adopted and permanent foster children, can receive proper health insurance.
Student dependents remain covered until they turn 25 years old, at which point they will need to decide whether they want to be transferred to an equivalent or lower level of health insurance. A waiting period will not need to be served if they opt for transferring within the Budget Direct range of offerings.
Packages available at all stages of life
Budget Direct Australia has a variety of packages you can choose from. You can opt for an existing pre-packaged Hospital and Extras bundle or you can create your own unique mix-n-match cover.
If you prefer to create your own mix, simply:
- Select one of the three levels of hospital cover: Public, Mid or Top Hospital.
- Choose your Extras Cover: Basic or Top.
|Package||Benefits||Average monthly premium||Excess|
|Starter Package|| ||$121.11||$500|
|Starter Package Plus||Same as Starter Package, but includes Extras for: ||$151.64||$500|
|New Family Package|| ||$489.90||$500 per person to max $1,000|
|Direct Family Value Package|| ||$372.12||$500 per person to max $1,000|
|Established Family Package||Basically the same as the Value Package, except: ||$463.17||$500 per person to max $1,000|
|Freedom Package|| ||$229.10||$500|
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Hospital cover benefits compared
|Benefits||Top Hospital||Mid Hospital||Public Hospital|
|Cardiac surgery and coronary care|
|Medically required plastic surgery|
|Dental implants done while in hospital|
|Obstetrics (childbirth and midwifery)|
|Note: Services are covered as private patient in a public hospital.|
A waiting period is simply a period of time that must pass before you can claim. Meaning you will only be able to start claiming for services and treatments once you’ve served your specific waiting period. This applies to both Hospital and Extras Cover.
Alternatively, if you already have private health insurance and want to switch to Budget Direct you may not have to re-serve the waiting periods you’ve already served with your previous insurer.
Take note: Should your new Budget Direct Insurance have higher benefits than your previous cover, you will only be able to claim on those higher benefits once you have completed the standard waiting period.
As a Budget Direct Health Insurance Policy Holder, you are rewarded you will receive a Rewards card and unique number or passcode. This gives you access to the Rewards Program and will be mailed to you within 15 – 25 days after your membership joining date.
Once you have your Rewards card, you can look forward to the following discounts:
- 15% on Car Insurance
- 30% on Home and Contents Insurance
- 15% on Home insurance
- 15% on Contents Insurance
- 10% on Life Insurance
- 10% on Travel Insurance
Should your service provider not have electronic facilities, you will need to pay upfront, then claim online. It is important that you keep your receipt for two years, in case of an audit.
Once your claim has been authorised, you only need to pay for the difference between the full amount and the amount Budget Direct has agreed to pay.
Frequently Asked Questions
If I’m a member, do I automatically receive ambulance cover?
Yes, Budget Direct members do automatically receive ambulance cover, as disclosed under your hospital benefits. In fact, you’ll receive cover for all clinically necessary emergency ambulance services. However, it is recommended that you also check with your state’s ambulance authority to ensure you are properly covered for non-emergency ambulance transportation.
Does Budget Direct cover my child during their studies?
Yes, student dependants are covered under their parents’ family or single parent membership policy until they turn 25 years old, after which they are given two months to organise new health insurance for themselves.
Find out more about which health insurance policy will fit your needs and budget by comparing policies online.
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