Questions Regarding Private Health Insurance?
1. What exactly is 'excess'? When would you have to salary this?
2. If I apply for health insurance as a single womanly (in other words - do not apply for couples or family insurance), would that still be allowed? I purposely only want to insure myself and not a soul else in the domestic even though I am married and have a child. Would I be commiting insurance fraud, or can I be in motion ahead with the policy?
Excess what? That's not clear. But you certainly can purchase insurance on yourself and not the complete family. I don't agree next to that decision if they don't enjoy coverage, but you're certainly entitled to do so.
Jeff
i work in insurance surrounded by australia. unfortunately, i don't work for a condition insurer - but an excess in insurance language, means the amount YOU contribute towards any claim you sort. an excess is usually either monetary ($$$$) or time base.
2. I'm really not sure if you could or couldn't. best bet is to call whichever company ( ps try iselect.com.au for the best promise on health insurance ) and ask them broad questions. i can't see any common sense why you couldn't simply cover yourself, even if you are married / have kids etc, but as up to that time, i don't work in condition insurance.
Answers: Excess is basicly a co - compensation which health funds very soon ask for. ( which I disagree with as I dream up we pay far too much for our strength insurance). You pay for this prior to going into hospital together next to your health fund details to the hospital.
I am powerless to answer question 2 but why would you not insure your in one piece family especially if you own children!
Perhaps You may google it first ,however, if you close to some direct resource ,here might be your choosing.http://health-insurance.expert-tip.info/... Yes, you can get insurance covering solely yourself. Don't know what you mean by "excess".