Private Health Insurer reforms come into force in coming weeks

Friday, 15 March 2019

On 1 April 2019 reforms to Private Health Insurance will come into effect.

If you’re living with diabetes it will be worthwhile contacting your insurer to understand if the reforms will result in changes to your coverage, particularly if you rely on them for products such as pumps.

four tiers of health coverage


Under the changes, your insurer will be able to reallocate your existing coverage into one of four tiers – Gold, Silver, Bronze and Basic. Each of these tiers will have minimum coverage requirements.

Other changes coming into effect on 1 April, include discounts for young people (18 to 29), the ability to increase excesses for lower premiums, and the exclusion of natural therapies from extras.

If you are an existing policy-holder, you will have served waiting periods for pre-existing conditions that are covered under your current insurance. Check with your Insurer that they will be recognising these waiting periods under the new tier system.

If you have a complaint about your Insurer, take it up with them in the first instance. If it is not resolved, you can contact the Commonwealth Ombudsman to seek their assistance. To contact the Ombudsman, visit the Ombudsman website and follow the links to Make a Complaint.

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