If you or a family member become unwell, it’s reassuring to know that you can access first-rate medical support.
What is private medical insurance?
Private medical insurance gives you access to private health care if you become unwell or need medical treatment. Some benefits of private medical insurance include high-quality care facilities, a wider range of healthcare options and shorter waiting times. Just like other types of insurance, you pay for private medical insurance in monthly instalments. You can arrange cover for just yourself or you can take out a policy that covers your partner or the whole family. Generally, taking out a joint or family policy works out cheaper per person than a single policy.
What should I keep in mind?
Different types of private medical insurance cover different forms of healthcare.
Often, things like hospital visits and seeing a specialist are covered by policies, while comprehensive medical insurance can help to pay for intensive treatment if you become seriously ill.
Although private medical insurance covers many scenarios, there are also some illnesses and accidents that they won't cover. It’s important to inspect a policy's full terms and conditions to understand if it provides the protection you’re looking for.
If you opt to pay a higher excess to access private medical healthcare, your monthly payments are usually lower.
You’ll need to consider:
- The illnesses and accidents covered by the policy
- Whether to take out a single, joint or family policy
- How much excess you're willing to pay
How can Trulife help?
Trulife Financial listens to your goals for private medical insurance. We work with PMI specialists who can explain your options and source the right policy for you and your family. Please note: We refer our PMI customers to our specialist partners.
What next?
If you’re thinking of getting private medical insurance, talk to Trulife. We’ll quickly connect you with a member of the team and handle your query with care.
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