![]() Health funds require a waiting period before you’re covered by your policy. You may also need to pay an amount (called an excess) towards your hospital costs. Depending on your policy, there may be hospital costs that your private insurance doesn’t cover. Around 2 in every 5 hospitalisations in Australia are in a private hospital. If you need to go to hospital, most private hospital insurance policies let you choose your doctor or specialist and receive treatment as a private patient in a private or public hospital.
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