Health Agenda

Research & Insights

How private health cover can help young people

Is private health insurance worth it? Even if you’re young and healthy, our programs and services can help young people take charge of their health.

Whether you’re a busy professional, sports fanatic or parent-to-be, we’ve got you covered.

Here are some of the ways you can save money, get the right health support and maximise your health cover.

Save on tax

If you’re climbing the ladder at work and are now earning more than $90,000 a year, or your family has a combined income of more than $180,000, and you don’t have private hospital cover, you may need to pay the Medicare Levy Surcharge – up to 1.5% of your income each year. Sign up for private hospital cover and you’re off the hook.

Support for new parents

In an Australian-first, we’re offering eligible members an end-to-end no-gap pregnancy care package at Sydney Adventist Hospital (the San). There are no out-of-pocket costs for parents when they sign up to the package, which includes your obstetrician fees, anaesthetist costs, delivery suite and theatre costs, and diagnostics. It’s available with selected obstetricians, excludes excess and eligibility criteria and a 12 month waiting period apply. Find out more about no-gap pregnancy care.

For extra support before bub is born, watch our patient experience videos to help prepare for birth and learn more about post-natal care.

Eligible members can also claim on childbirth education and first aid programs from Birth Beat, as well as breastfeeding advice and swimming lessons under their extras cover. Some waiting periods may apply.

Avoiding extra costs

About to turn 31? If you don’t take out private hospital cover from the year you turn 31, you’ll pay the Lifetime Health Cover loading – 2% extra on top of your premium for every year you’re aged over 30. This means if you take out private hospital cover when you’re 40, you could pay an extra 20% on top of the cost of your cover. This loading will be removed once you've maintained your cover for 10 years.

100% back on popular extras

Need new glasses or due to get a dental check-up? Eligible members can get 100% back on selected glasses and dental check-ups at participating extras providers in our No-Gap network, providing you’re on an eligible level of cover and haven’t hit your limits. Read details about eligibility.

Support for mental health

More than 75% of mental health problems occur before the age of 25, reports Beyond Blue. Our mental health and wellbeing programs give eligible members great access to the right support and advice on their mental health journey. We’re proud to help connect our members to:

  • video chat with experienced clinical psychologists and psychiatrists to help you take control of your mental wellbeing in your own space and time with PSYCH2U
  • Hello Sunday Morning’s Daybreak app, with an online peer community to help you change your relationship with alcohol. HCF members get a higher level of access to Daybreak’s clinical team, as well as extra resources and support
  • Woebot – a mental health chatbot that helps you learn about yourself, boost your mood and manage your state of mind – all based on years of research in cognitive behavioural therapy.

Eligible members can also access GP services through video consultations with our telehealth partner GP2U.

Care after an injury or accident

If you’re a keen netballer, cricketer or ballroom dancer, injuries can happen. And even if you’re not, situations like needing surgery for a broken bone can disrupt everyday life.

HCF members with hospital cover can avoid public hospital waiting lists of up to 1.5 years. Plus, extras cover for things like physio and remedial massage can help you save on expenses associated with your recovery.

Have more choice

HCF members have choice – you can often decide the specialist who treats you and where you’re treated. Follow the recommendation of your GP or specialist to find a doctor, or research our Dr Gap tool to find a participating provider.

You can also compare hospitals within our network using our online tool.

This article first appeared in the March 21 edition of Health Agenda magazine.

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#2 month waiting period and depends on annual limits.

^Available with selected obstetricians, pathology and ultrasound providers at The San. Package not available for members with Overseas Visitors Health Cover. Eligibility and 12 month waiting period apply. Excludes hospital excess.

+Applies to dependants under 22 years and eligible student dependants under the age of 25 years. Excludes Accident Only Basic cover.

*You must have had HCF hospital cover or extras cover for 12 months, excludes Accident Only cover and Overseas Visitors Health Cover.