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Health.com.au Review

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Anneke Van Aswegen Updated: 11 May 2020
Types of Health Insurance

Health insurance is a necessity. The type of cover you choose should provide you with peace of mind and certainty that the costs of unexpected medical and surgical expenses will be paid for. Unlike most health insurers, Health.com.au allows you to choose the health care practitioner, pharmacy and clinic you are most comfortable with.

This is an easily accessible online health insurance provider with simple, readily available customer service. However, if you’re looking for health insurance coverage for the first time or want to make sure your current cover is the best one available, it’s a good idea to shop around and compare different policies.

ComparingExpert does not currently have access to this provider. Visit health.com.au to request a quote and compare their price and benefits to the Australian private health insurance companies we have access to.

Who is Health.com.au?

Health.com.au is an online health insurance service provider for both in and out of hospital treatments. Their parent company, NIA Limited, incorporated Health.com.au in 2011, offering policies that cover same day and overnight stays, meals, nurses, intensive care, operating theatre costs and government approved surgically implanted prostheses.

In July 2015, Health.com.au became a subsidiary of GMBHA. GMBHA is an Australian non-profit private health insurance company who has been providing health insurance to the public for over 80 years.

Health.com private health insurance options

You can choose the most suitable option for your needs from among their three policy types:

  • Hospital only offers cover for the cost of treatment with accommodation in a private hospital.
  • Extras only has benefits that can be claimed for out of hospital services like dental (general, major and orthodontics), physiotherapy, optical and pharmacy prescriptions.
  • Combined Policies integrate hospital and extras cover together in the same policy, ensuring comprehensive protection.

The Hospital only, Extras only and Combined policies cover children and dependents until they reach 21 years of age. If one of your dependents is a student studying full time, the policy will cover him/her until age 25.

Health.com private health insurance has a 30 day cooling off period, which means if you decide to cancel your policy within 30 days of purchase, they will refund all your premiums paid up until that point.

Standard benefits include:

Health.com.au Review

If you’re interested in the services Health.com.au has to offer, there are four options you can choose from: Base Hospital, Pulse Extras, Extras 50 and Simple Essentials 60.

Base Hospital

Base Hospital is targeted at the young and healthy who only need the essentials. All commonly claimed medically-recognised services are covered by this option:

Restricted cover is offered for rehabilitation, podiatric surgery and Psychiatric services.
This means that you are covered as a hospital patient in a public hospital’s shared ward, but not in a private hospital.

Base Hospital excludes cover for:

Pulse Extras

If you find you need a little more than what Base Hospital has to offer, you might want to consider looking at Extras Cover. One of the benefits of Extras Cover is that your bill can be paid up to 50% or 60% of the annual cap:

Service Inclusion Annual Cap per person
Health Maintenance$150
General Dental:
  • Annual check-ups, cleaning, whitening.
  • Fillings and repairs.
  • Toothache / painful gums.
  • Special requirements like crowns, braces or dentures.
$500
Physiotherapy:
  • Headache/pain management.
  • Muscle strain or injury.
  • Posture.
  • Returning to fitness after childbirth.
  • Self-care / well-being maintenance.
$150
Natural Therapies:
  • Acupuncture & Chinese Medicine.
  • Naturopathy.
  • Myotherapy.
  • Reflexology.
  • Iridology.
$100
Chiropractic & Osteopathy:
  • Headaches and sudden spinal pain.
  • Any posture, spinal or mobility issues.
  • Neck, knee or hip pain.
  • Arthritis or ongoing injuries.
$150
Emergency Ambulance TransportUnlimited

Services that are excluded by Pulse Extras:

Extras 50

As the more comprehensive option, Extras 50 allows you to get 50% of your bill paid back from your medical care provider, up to your annual cap. This option covers the following services and cap limits:

Service Inclusion Annual Cap per person
Health Maintenance (under the care of your GP):
  • Weight management.
  • Gym membership.
  • Pilates and Yoga.
  • Psychotherapy.
$200
Dietetics:
  • Weight management.
  • Digestive problems.
  • During illness and recovery programmes.
  • Pregnancy.
$350
General Dental & Orthodontics:
  • Annual check-ups, cleaning, whitening procedures.
  • Fillings and repairs.
  • Toothache and Gum pain.
  • Special requirements like braces, crowns, dentures.
$500 each
Major Dental:
  • Annual check-ups.
  • Tooth extraction, fillings and repairs.
  • Braces and orthodontics.
  • Crowns, bridges and dentures.
$750
Optical:
  • Blurred vision, trouble focusing.
  • Headaches or pain.
  • Dry or itchy eyes.
  • Eye injury.
$200
Physio, Chiropractic and Osteopathy:
  • All musculoskeletal pain, including neck pain, ongoing headache and spinal and mobility issues.
  • Neck, knee or hip pain, arthritis and other niggling injuries.
$350
Massage & Natural Therapies.$400

Simple Essentials 60

60% of your bill up to the annual cap, will be paid for when you have the Simple Essentials 60 option. Covering the following services, it adds up to be worth $1200 per year:

Service Inclusion Annual Cap per person
General, Major Dental & Orthodontics:
  • Annual check-ups, cleaning, whitening procedures.
  • Fillings and repairs.
  • Toothache and Gum pain.
  • Tooth extraction, fillings and repairs.
  • Braces and orthodontics.
  • Crowns, bridges and dentures.
$500 combined
Optical:
  • Blurred vision, trouble focusing.
  • Headaches or pain.
  • Dry or itchy eyes.
  • Eye injury.
$250
Physio, Chiropractic and Osteopathy:
  • All musculoskeletal pain, including neck pain, ongoing headache and spinal and mobility issues.
  • Neck, knee or hip pain, arthritis and other niggling injuries.
$350
Travel Vaccines:
  • Extensive travel in varying conditions.
  • Travel to an endemic area.
  • Any pre-existing conditions that may affect immunity.
  • Elderly, Pregnancy and children.
  • Topping-up previous vaccinations.
$100
Emergency Ambulance TransportUnlimited

Frequently asked questions

  • How can I make a claim?

    Claiming is easy. There are two way you can claim your benefits:

    1. Present your Claims Card once you’ve been admitted to hospital or upon entering a medical contract.
    2. Claim online by logging into your health.com.au account, enter your Customer Number then send a snapshot of your receipt.
    All bills, apart from assisting surgeons and anaesthetists, should be forwarded to Health.com. au for processing.
  • Does Health.com.au offer health insurance to overseas visitors?

    No, Health.com.au does not offer Overseas Visitors Health Cover (OVHC). Visitors’ health cover in Australia is offered by service providers such as Allianz Global Assistance, Australian Unity, Bupa, Frank Health Insurance, hbf, HCF, hif and nib.

We want to help you make an informed decision by comparing the various health insurance options available to you so that you can find the right cover suited to your personal needs.

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