Author: Manoj - TC

Merry X’Mas to all and a very Happy New Year 2020

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I am so glad that we are now in the world of blogging via our new website and will be able to liaise with people who are looking for a great health insurance package and glad that we were able to help many family save on their Overseas Student Health Cover policies along with Overseas Visitors Health Cover. This is our first blog in our new website and I am glad that it is all set up and ready to go.

Merry X’mas to all & a very Happy New Year 2020

Watch out for more blogs on topics of interest to come!!!!!!!! If you have certain topics which you find interesting, please suggest on the comment section and I’ll open a new discussion forum for it so we can have some meaningful conversations.

Health Insurance Australia: Expectation vs Reality

Life is about experiencing every good bit throughout one’s lifetime; be it a walk in the park with your loved ones or creating memories with your little one. These events can be truly celebrated when one leads a stress-free life. This is only possible when you have health insurance.  

Health insurance covers a portion of health care costs and offers financial coverage for medical expenses when the policy holder is hospitalized. It typically covers preventive health services to keep you healthy and screen for potential health matters that could cause problems later on.

Many believe that health insurance is not required for everyone, especially those who are young and leading a healthy life. However, in reality, one needs to understand that even a simple fall could leave you facing a surprisingly high medical bills in Australia, no matter what your age is. One way to provide for health-related medical emergencies is by taking health insurance. It allows you to get the best medical treatment when you actually need it. If you have health insurance, the premium tends to increase with age – more the age, higher the premium. You can be covered for medical conditions that may be diagnosed over the years provided there is no break in the policy. For an individual who hasn’t saved that much money, arranging for funds at the eleventh hour can be a task. This is particularly daunting for seniors, given that most ailments strike at an advanced age.  So, it is beneficial and advisable to purchase health insurance at a younger age.

One often expects that purchasing health insurance is an expensive affair. The reality is quite different though. There is an end number of health care insurance providers, who design comprehensive health care plans providing complete finance and health insurance packages tailored for your discrete needs. It gives you and your family affordable access to the health care you may need – at home or out-of-country. With health insurance in Australia, you pay an expected premium, which you can tailor to match your needs and your budget; and if something does happen, you’ll have the reassurance of knowing help is only a simple call away.

People expect that choosing the correct health insurance plan and claiming the money is a tedious task. However, there are insurance providers, having experienced and knowledgeable advisers. They guide you and present you valuable insights and advice to help you choose the best health insurance plan. These experts advise you on the various types of health insurance available in the market for you to choose from. As they understand that the meter doesn’t start from hospitalization but from the time of diagnosis and goes on even post-discharge, they stand with you throughout the journey and not just for an event. Just email them or give them a call and they’ll get everything moving. It’s that easy. 

For More Information On How Tiara Consultants Will Effectively Manage Your Health Insurance needs and provide you with great deals, Please Contact Our Team On 0400 451 493; Or Write To Us At Enquiries {At} TiaraConsultants {Dot} com {Dot} au

Is our Private Health Insurance in a broken form

There is a general consensus that Private Health Insurance is broken and should be scrapped in its current form and should be replaced by a single health insurer. What do you think about this. We would love to share your comments and ideas and get into a engaging conversation.

There is a general consensus that Private Health Insurance is broken and should be scrapped in its current form and should be replaced by a single health insurer. This is want our health economists and policy experts have to say.

It is found that private health insurance is getting unaffordable nowadays and many people drop their cover of policies, finding it as useless for their health care and they just have it to avoid the government Medicare levy surcharges.

According to the consumer health forum, private health insurance lacks in satisfying their basic customer health needs and they add unnecessary stuff, which is of no benefit to the customer. Some are of the opinion that private health should support by reducing the pressure from the government..

But having a single health insurer is the best option as it might help consumer to choose what they want as per their specific requirements.  All the health insurance providers, as have now started offering, should have similar products such as gold, silver and bronze levels. It then becomes a choice amongst all these three level, which does not confuse consumers with such varied components to choose from and they can control their budgets and needs.

What do you think about this. We would love to share your comments and ideas and get into a engaging conversation.

Is Overseas Visitors Insurance crucial to travel around the world?

As the world is becoming smaller due to progress in technology, with communication and knowledge; things are becoming simpler to access. People make international travel trips as a way to relieve themselves of the pressures of life due to various reasons. Some travel for work, while others travel to explore a new place or meet their loved ones. What happens if you become unwell or need to be hospitalized while you are traveling abroad? This is where Overseas Visitors’ insurance appears in the picture. With international travel trips rising these days, it is extremely important to buy an Overseas Visitors’ health insurance.   

Healthcare is becoming notably expensive all over the world, therefore, it becomes especially essential while we travel. Overseas visitors’ health insurance primarily provides emergency medical coverage for unforeseen sickness injuries or accidents that may occur during traveling. This Overseas Visitor’s insurance can give you an array of advantages that are otherwise denied to most travelers. This includes access to quality health care services and professionals, overseas hospital coverage. Unlike coverage of the replacement cost of lost luggage/s, travel documents like passport, visas, and personal belongings, which are generally part of the Travel insurance package, Health insurance works only for issues related to your health and guarantees complete peace of mind for the person traveling once they have issues with anything related to their health. For students travelling to Australia, they should have the appropriate Overseas Student Health Cover.

If you are planning to work in Australia, getting a relevant level of health insurance may be a condition for your visa so that in case you fall sick or have an uneventful accident while you are in Australia, this plan will help pay your medical expenses. If you’re touring Australia as a traveler, an overseas visitors’ insurance allows you to have more delightful things to think about than how you’re going to pay for the expense of healthcare if you get sick or have an accident. The overseas visitors’ insurance acts like traditional patterns, the only variation being that it is mobile while others are location-based. In other words, you can travel without any worries knowing that your health will be taken care of even if you are not in your home country and might not get a shock to find yourself stuck with bills.   

Apart from meeting the visa requirement, repatriation coverage, and out-patient medical services coverage, you also get 100% emergency ambulance cover under this type of insurance. The Government of Australia has an agreement called Reciprocal Health Care Agreements (RHCA) with countries like Belgium, Italy, Netherlands, Norway, Slovenia, Finland, Malta, New Zealand, Republic of Ireland, U.K., and Sweden This gives access to Medicare to visitors from these country countries, which means that an individual from these countries will have access to certain Medicare benefits while they visit Australia. However, there are several things that are not covered under this scheme, such as the ambulance services. If you belong to a country that is not listed in the above mentioned country’s name you will be charged for the doctors, ambulance and hospitalization. Thus, it becomes even more important that you have adequate health insurance.

Bupa’s working overseas visitor covers meets the Department of Home Affairs (DHA) health insurance requirements. If you have a Working visa like 457, 482, 485 Bupa’s Essential Visitors Cover will grant you pharmacy benefits of up to $300. You can also get a medium level of hospital and medical cover under this scheme. An added extra cover increases the benefits you get on each cover and this is optional and can be added along with the cover. 

If you are coming to Australia for holidays, to visit/see family and friends, or to attend a short business trip you will need to apply for an appropriate Australia Travel Visa – for example visiting visas like 600, 601 (depending upon the country of your origin).

Bupa’s standard visitors cover will also include annual pharmacy benefits of $300 , along with a medium level of hospital and medical cover. An added extra cover will increase the benefits onto one’s cover. (For example free dental check-ups for a platinum member and get 50% back at any authorized provider for most dental, optical, physio, chiro and natural therapies up to the yearly limit if you choose the Standard 50 or Essential 50 cover).

With such amazing benefits, Overseas Visitor’s health insurance is definitely going to stay and be crucial during your trips around the world and specially to Australia.

For More Information On How Tiara Consultants Will Effectively Manage Your Health Insurance needs and provide you with great deals, Please Contact Our Team On 0400 451 493; Or Write To Us At Enquiries {At} TiaraConsultants {Dot} com {Dot} au

Health Insurance in Australia: Expectation vs Reality

 

Life is about experiencing every good bit throughout one’s lifetime; be it a walk in the park with your loved ones or creating memories with your little one. These events can be truly celebrated when one leads a stress-free life. This is only possible when you have health insurance.

Health insurance covers a portion of health care costs and offers financial coverage for medical expenses when the policy holder is hospitalized. It typically covers preventive health services to keep you healthy and screen for potential health matters that could cause problems later on.

Many believe that health insurance is not required for everyone, especially those who are young and leading a healthy life. However, in reality, one needs to understand that even a simple fall could leave you facing a surprisingly high medical bills in Australia, no matter what your age is. One way to provide for health-related medical emergencies is by taking health insurance. It allows you to get the best medical treatment when you actually need it. If you have health insurance, the premium tends to increase with age – more the age, higher the premium. You can be covered for medical conditions that may be diagnosed over the years provided there is no break in the policy. For an individual who hasn’t saved that much money, arranging for funds at the eleventh hour can be a task. This is particularly daunting for seniors, given that most ailments strike at an advanced age.  So, it is beneficial and advisable to purchase health insurance at a younger age.

One often expects that purchasing health insurance is an expensive affair. The reality is quite different though. There is an end number of health care insurance providers, who design comprehensive health care plans providing complete finance and health insurance packages tailored for your discrete needs. It gives you and your family affordable access to the health care you may need – at home or out-of-country. With health insurance in Australia, you pay an expected premium, which you can tailor to match your needs and your budget; and if something does happen, you’ll have the reassurance of knowing help is only a simple call away.

People expect that choosing the correct health insurance plan and claiming the money is a tedious task. However, there are insurance providers, having experienced and knowledgeable advisers. They guide you and present you valuable insights and advice to help you choose the best health insurance plan. These experts advise you on the various types of health insurance available in the market for you to choose from. As they understand that the meter doesn’t start from hospitalization but from the time of diagnosis and goes on even post-discharge, they stand with you throughout the journey and not just for an event. Just email them or give them a call and they’ll get everything moving. It’s that easy.

For More Information On How Tiara Consultants Will Effectively Manage Your Health Insurance needs and provide you with great deals, Please Contact Our Team On 0400 451 493; Or Write To Us At Enquiries {At} TiaraConsultants {Dot} com {Dot} au